Your Split Pay approval is based on your individual financial profile — things like deposit consistency, account balances, and payment history. Two people in similar situations can land at different starting points.
Common reasons:
Different deposit and income patterns in your bank account
Different account balance trends
Different payment history with Split Pay (if you've used it before)
Some people start at a 50/50 split right away. Others start with a smaller second payment that grows.
The 5% growth path is the same for everyone. Every month you pay your second payment on time, your approval grows by 5% the next month — up to 50%. So even if your starting point is lower, you have a clear path to a clean 50/50.