No. Your Split Pay approval lasts 30 days from the date you're approved — if you haven't connected your Split Pay account and made a successful payment by then, your eligibility expires automatically. There's no way to pause, extend, or hold your approval without using it.
Why it works this way:
Your approval is based on a snapshot of your current financial profile at the time you applied — your deposit patterns, balance, payment history, all of it. After 30 days that snapshot gets stale, so we re-evaluate from scratch when you reapply. It's the same reason a pre-approved credit offer or insurance quote has an expiration date.
This is set by our underwriting model, not something support can override.
What this means for you:
If you're approved and ready to use Split Pay → use it within 30 days
If you're approved but won't have a bill to pay for more than 30 days → expect to reapply when you're ready
"Saving" an approval for later isn't an option — even if it was higher than what you'd get on reapproval
The good news:
There's no cost to having a Split Pay account. Approval and reapproval are both free. We don't charge subscription fees, annual fees, or anything for keeping an account.
Reapplying is fast. A few minutes in the app. You'll know your new approval amount immediately.
Your Split Pay account and routing numbers don't change — they're tied to your identity. If they're saved in a portal, lender, or servicer's system, they'll automatically work again as soon as you're reapproved.
Worth knowing: reapproval isn't guaranteed and the amount could be different. Your financial profile may have changed since your last approval. See the FAQ on Will I get the same approval amount if I reapply?.