You have 30 days from approval to make your first successful payment, and your eligibility then stays active for 60 days after each successful payment. If a window passes without a successful payment, your eligibility expires — failed, cancelled or refunded payments don't extend it.
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. Once a window passes without a successful payment, that 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 either window.
If you have a payment coming up soon and you're worried about timing, pay that month another way until you're approved again, so the payment isn't returned — or contact our team.