Comparison

Split Pay vs Pay with Sublime

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Split Pay

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

Highlights
  • Split rent into two payments
  • Build credit history
  • Improve budgeting
  • Works with all payment systems
  • Autopay functionality
  • Free credit reporting option
Features
Currently charting
Read full description

Split Pay turns your biggest bills into two smaller payments, timed to your paychecks. Same total, smarter timing. There's no credit check, and it works with any landlord or lender. Less pressure. More room to breathe. Split rent, mortgage, or car payments to fit your paycheck rhythm, not the other way around. Your landlord or lender gets paid in full on day one. Download Split Pay to put rent, mortgage, and car payments on your own schedule. SPLIT PAY APP FEATURES: WHY 200,000+ HOUSEHOLDS CHOOSE SPLIT PAY: One bill, two payments, smarter timing. Works with any landlord, lender, or servicer. No building integration, no virtual cards, no workarounds. No established credit history? You can still apply. Eligibility is based on factors such as income and cash flow, not your credit score. Split Pay's dedicated support team gives you access to real humans when you need them, not just a chatbot. Build credit history with reported rent payments. PAY BILLS IN TWO PAYMENTS Choose a bill to split into two: rent, mortgage, or your car payment. Apply in minutes, no credit check. Once you're approved, you'll receive virtual account and routing numbers to add to your payment portal, just like a bank account. Your landlord, lender, or servicer gets paid in full and on the due date. You pay in two smaller parts. That's it. You get more room to breathe every month. WHAT BILLS CAN I SPLIT? Pay rent Pay your mortgage Pay car payments Pay other bills coming soon SIMPLE, TRANSPARENT PRICING Split Pay costs $9.99/month plus 1.5% transaction fee on the amount you split. That's it. The fee is the same no matter how your bill is split. Income arrives on a schedule. Bills don't. Banks move money. Split Pay moves timing. Download Split Pay to put rent, mortgage, and car payments on your own schedule. Split Pay is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Members FDIC.

About

Pay with Sublime

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Highlights
  • Split bills into smaller payments
  • Earn 5% cash back on timely payments
  • Automatic bill negotiation
  • Finds hidden savings
  • Subscription tracking and management
  • Due date alerts
Features
Read full description

Pay your bills over time — then lower them. Sublime is the smartest way to manage the bills you already pay and save. Split bills into easy weekly payments, earn cash back, and let AI bring your bills down in the background. SPLIT ANY BILL INTO 4 WEEKLY PAYMENTS Stop juggling between due dates and payday. Sublime pays your bills, and you pay back over time on your schedule. A $400 bill becomes four $100 weeks — no late fees, no surprises, no overdrafts. EARN 5% CASH BACK WHEN YOU PAY OVER TIME The more bills you run through Sublime, the more you earn back. Get paid, to pay your bills. AI THAT LOWERS YOUR BILLS AUTOMATICALLY Sublime scans your accounts to find where you're overpaying, then applies discounts, promotions, and savings programs you qualify for. You don't haggle, call customer service, or compare quotes — Sublime does it for you. WORKS ON THE BILLS YOU ALREADY PAY Cell phone and internet Auto and home insurance Electricity, gas, and water Childcare and daycare Streaming and subscriptions BUILT FOR YOUR PEACE OF MIND Bank-level encryption. Clear pricing. No hidden fees. You're always in control of what gets paid and when. Download Sublime and start paying less for the bills you can't avoid.

Screenshots

Split Pay4 screens
Pay with Sublime4 screens

Verdict

The call

The clearest difference is ratings volume: Split Pay at 20K against Pay with Sublime's 157. Split Pay also leads on rating (4.9 vs 4.7) and chart position (#94 vs unranked). Pay with Sublime's advantage is review sentiment (86% vs 72%). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Split Pay holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: Split Pay has 20K ratings behind it against 157, so its average is the more settled of the two. Written reviews complicate that: 72% of Split Pay's written reviews are positive against 86% of Pay with Sublime's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Split Pay ships an update every 2 weeks, Pay with Sublime every 9 days. The most recent releases landed on October 15, 2026 and October 13, 2026 respectively.

Scorecard5 real differences · 6 level
Split Pay versus Pay with Sublime: the parameters behind the verdict, then further details
ParameterSplit PayPay with Sublime
PriceFreeFree
Rating4.9 (20K ratings) — better4.7 (157 ratings)
Positive reviews71.9% of reviews85.7% of reviews — better
Number of ratings20K — better157
Update frequencyEvery 2 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#94 — better—
DevicesiPhoneiPhone, iPad — better
Requires iOS16.6 — better18.5
Further details — not scored
Size65 MB61 MB
Age rating4+17+
DeveloperVisible IdeasSublime Payments Company

Customer experience

Split Pay

All ratings19,539 ratings
Positive97.1%
Neutral0.6%
Negative2.3%
Written reviews684 reviews
Positive71.9%
Neutral1.6%
Negative26.5%

Pay with Sublime

All ratings157 ratings
Positive92.4%
Neutral1.9%
Negative5.7%
Written reviews14 reviews
Positive85.7%
Neutral0.0%
Negative14.3%

Bugs and requests

Split Pay

Reported bugs

3 issues
  • Login screen freezes
  • Incompatibility with certain bank accounts
  • Payments not showing up in app after being processed

Requested features

4 requests
  • Ability to change payment dates after initial setup
  • Option to adjust second split pay date within 30-day period
  • Integration with property management payment portals
  • Clearer communication on approval process and reasons for account suspension

Pay with Sublime

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Split Pay

No in-app purchases

None

Pay with Sublime

No in-app purchases

Questions

Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Which has better reviews, Split Pay or Pay with Sublime?
Split Pay is rated higher. Split Pay averages 4.9 out of 5 from 20K ratings, while Pay with Sublime averages 4.7 from 157 ratings.
Do Split Pay or Pay with Sublime have ads?
Neither Split Pay nor Pay with Sublime shows ads.
Which is updated more often, Split Pay or Pay with Sublime?
Split Pay ships an update every 2 weeks, and Pay with Sublime every 9 days. Most recently, Split Pay was updated on October 15, 2026 and Pay with Sublime on October 13, 2026.

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