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 get different results.
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)
Split Pay's share of each bill starts at 30% for everyone, so if a friend has been paying on time for longer, Split Pay may already be splitting a bigger share of their bill.
The 5% growth path is the same for everyone. Every month you pay your second payment on time, Split Pay's share of your bill grows by 5% the next month — up to 50%. Your approved amount — the largest bill Split Pay will split, set 25% above the amount you requested — stays the same; what grows is Split Pay's share of each bill.