Your Split Pay approval expires 30 days after you're approved if you haven't connected your Split Pay account and made a successful payment in that window.
Why it expires: financial approvals need to be based on current information — similar to how a pre-approved credit offer or insurance quote has an expiration date. After 30 days without use, the snapshot is stale.
What this means in practice:
Your Split Pay account is marked Inactive — any payment attempts to your account and routing numbers will be returned
Your account and routing numbers don't change — they stay tied to your identity
You'll need to reapply to reactivate everything
How to reapply:
Open the Split Pay app or go to splitpay.com
Start a fresh application — it only takes a couple minutes
If approved, your existing Split Pay account and routing numbers reactivate immediately. Any numbers you've already saved in a portal, lender, or servicer will start working again automatically.
Worth knowing: reapplying is a fresh evaluation. Your approval amount could be the same, higher, or lower than before — it's based on your current financial profile, not your previous approval. We can't manually restore old approvals or extend the 30-day window.
If you have a payment coming up soon and you're worried about timing, see the FAQ on My eligibility expired and I have a payment due — what do I do?, or contact our Support team.