Each bill type is reviewed separately. When you apply to split a different bill — rent, mortgage, car payment, or student loan — that starts a brand-new review with its own criteria, independent of your earlier approval. Being approved for one bill type and amount doesn't carry over to another, even when the new amount is smaller.
The good news: if you were approved for one bill and then denied for another, your original approval usually isn't gone. To get it back:
Sign in to Split Pay
Cancel the pending split for the new bill under your plans
Your original approval is restored, and you can set up your split from there
Every application is a fresh look at your finances — things like deposit consistency and balance patterns — so the outcome can differ between bill types, and between applications. If you still want to split the other bill, you can apply for it again after about 30 days, and connecting every bank account you have makes for the strongest application.
If your original approval doesn't reappear after you cancel the pending split, contact our Support team and we'll get it sorted.