One car payment,
two halves.
Your lender gets paid in full on day one. You pay us back in
two halves, two weeks apart. No new debt, no interest¹.
Help avoid late fees²
No credit check³
Cancel anytime
1st split payment
$500
Monthly due date
2nd split payment
$500
14 days later
Three steps.
About three
minutes.
Add your monthly car payment
Connect your accounts
Get approved
Keep your car. Keep your cash.
More cash, all month
Half now. Half in two weeks. Your 1st of the month stops feeling brutal.
Never late, never dinged
We pay your lender in full on day one. You pay us back in two halves. No late fees², no credit checks³.
Your biggest cost, halved
Insurance, gas, parking — your car already costs in pieces. We just shrink the biggest one.
See what your car payment looks like, split.
Your monthly car payment (before)
$500
Your monthly car payment (after)
Monthly due date
$250.00*
14 days later
$250.00
* Split Pay costs $0 + $0.00 (0% of your monthly car payment)
Nothing changes for your lender.
We pay your lender in full on the due date. You pay us back in two halves. Nothing else changes.
Your car payment is due
Your normal payment date arrives.
Split Pay pays in full
We cover the full amount to your lender on time.
You pay in 2 installments
Half now. Half two weeks later.
Paid in full
We send your lender the full payment on your due date. Every time.
Terms don’t move
Same APR. Same length. Same payoff date. We just shift the timing.
One on-time payment
Your lender sees a single on-time payment. No flag. No asterisk.
Works with all lenders
Trademarks and logos are the property of their respective owners and do not imply sponsorship or endorsement by Split Pay.
Real drivers. Real breathing room.⁴
Split Pay has helped me tremendously. I will definitely recommend Split Pay to anyone struggling to pay rent or mortgage. And now they’ve added another perk: Car Notes!! This is an amazing idea. Big shout-out to the founders of this Company.
Honestly, this app came in clutch and it’s helping me to not feel so overwhelmed.
I got my Split Pay banking information as soon as I was approved, so I could set it up with my rental office portal right away. I received text message updates to keep me informed. The process was so simple!
Great! I was quickly approved for the amount I needed. Thanks for all your help!
As a person who has the worst money management skills, being able to split up things helps tremendously. Love the app!
Customer service was very friendly when I’ve had questions in chat or email. Highly recommend.
So helpful — Split Pay keeps things balanced between paychecks.
Love the concept.
I have been using split pay for the past months and it is the easiest way to pay, also it helps to build up my credit which i truly appreciate. Thanks Split Pay
It was quick and easy to get started. I’ve used it now for 3mths. I love the split feature and the ability to pay early.
I got approved fast 😂
I love the open lines of communication — you always have options to reach customer service in a timely manner.
It’s a great app overall. Gives you a bit of extra cash for other bills and helps spread out your rent payment so you’re not stuck paying a large lump sum upfront.
Wish I knew about this app light years ago!
I really love this app. It’s been a lifesaver.
Works seamlessly, and Split Pay has been a huge help.
Efficient, easy, single mother here! This helps me manage money so much better!!!!!
The best to work with — fast and easy to pay.
Split Pay has helped me tremendously. I will definitely recommend Split Pay to anyone struggling to pay rent or mortgage. And now they’ve added another perk: Car Notes!! This is an amazing idea. Big shout-out to the founders of this Company.
Honestly, this app came in clutch and it’s helping me to not feel so overwhelmed.
I got my Split Pay banking information as soon as I was approved, so I could set it up with my rental office portal right away. I received text message updates to keep me informed. The process was so simple!
Great! I was quickly approved for the amount I needed. Thanks for all your help!
As a person who has the worst money management skills, being able to split up things helps tremendously. Love the app!
Customer service was very friendly when I’ve had questions in chat or email. Highly recommend.
So helpful — Split Pay keeps things balanced between paychecks.
Love the concept.
I have been using split pay for the past months and it is the easiest way to pay, also it helps to build up my credit which i truly appreciate. Thanks Split Pay
It was quick and easy to get started. I’ve used it now for 3mths. I love the split feature and the ability to pay early.
I got approved fast 😂
I love the open lines of communication — you always have options to reach customer service in a timely manner.
It’s a great app overall. Gives you a bit of extra cash for other bills and helps spread out your rent payment so you’re not stuck paying a large lump sum upfront.
Wish I knew about this app light years ago!
I really love this app. It’s been a lifesaver.
Works seamlessly, and Split Pay has been a huge help.
Efficient, easy, single mother here! This helps me manage money so much better!!!!!
The best to work with — fast and easy to pay.
Split Pay has helped me tremendously. I will definitely recommend Split Pay to anyone struggling to pay rent or mortgage. And now they’ve added another perk: Car Notes!! This is an amazing idea. Big shout-out to the founders of this Company.
Honestly, this app came in clutch and it’s helping me to not feel so overwhelmed.
I got my Split Pay banking information as soon as I was approved, so I could set it up with my rental office portal right away. I received text message updates to keep me informed. The process was so simple!
Great! I was quickly approved for the amount I needed. Thanks for all your help!
As a person who has the worst money management skills, being able to split up things helps tremendously. Love the app!
Customer service was very friendly when I’ve had questions in chat or email. Highly recommend.
So helpful — Split Pay keeps things balanced between paychecks.
Love the concept.
I have been using split pay for the past months and it is the easiest way to pay, also it helps to build up my credit which i truly appreciate. Thanks Split Pay
It was quick and easy to get started. I’ve used it now for 3mths. I love the split feature and the ability to pay early.
I got approved fast 😂
I love the open lines of communication — you always have options to reach customer service in a timely manner.
It’s a great app overall. Gives you a bit of extra cash for other bills and helps spread out your rent payment so you’re not stuck paying a large lump sum upfront.
Wish I knew about this app light years ago!
I really love this app. It’s been a lifesaver.
Works seamlessly, and Split Pay has been a huge help.
Efficient, easy, single mother here! This helps me manage money so much better!!!!!
The best to work with — fast and easy to pay.
FAQs
One car payment, two halves.
Set up your first split in under 3 minutes. No credit check³, no contracts.
1. No interest charges. Monthly membership fees and certain transaction fees may apply. See Terms of Service for complete pricing details.
2. Timely payment depends on meeting eligibility requirements and successful scheduled payments.
3. Eligibility requirements apply.
4. Testimonials reflect individual customer experiences. Results may vary and are not guaranteed.