Split Pay is a service that splits your monthly rent, mortgage, or car loan payment into two smaller payments instead of one big one — and it works with your existing portal, lender, or servicer without changing anything on their end.
The basics:
Your monthly payment gets split into two: one on payment day, one ~14 days later
Your landlord, lender, or servicer still receives the full amount on time, every month
You add Split Pay account and routing numbers to your portal, lender, or servicer as a payment method (just like adding any bank account)
They pull payment from those numbers when your bill is due
Split Pay covers the full amount upfront, then you pay us back in two installments
Why it works with any portal, lender, or servicer:
To them, Split Pay looks like a bank account. You add account and routing numbers as a payment method, and they use them when your bill is due. They don't need to integrate with us, partner with us, or even know who we are.
What they see:
A payment method on file (looks like a bank account, source bank: Evolve Bank & Trust)
A full payment on the due date
What you see:
Two charges on your debit card per month: one on payment day (first Split Pay payment), one ~14 days later (second Split Pay payment)
Each charge covers half (or a smaller portion that grows over time) of your monthly payment
You can manage everything in your Split Pay account
What your landlord, lender, or servicer sees:
Full payment received, on time
That's it — they don't need to do anything different
A few things to know:
Most portals, lenders, and servicers work — Yardi, RealPage, Entrata, RentCafe, Buildium, AppFolio, and most others for rent. Major mortgage servicers and auto loan servicers also work. A few (like Zillow Rental Portal) don't accept payments from us.
You don't need to ask their permission — Split Pay is a personal choice on your end.
There's no impact to your credit score to apply, and approval is fast.
To get started, sign up at splitpay.com.