Split Pay adjusts automatically. You don't need to do anything special when your payment amount changes — but here's what to expect.
The basics:
When your portal pulls a different amount than last month — a rent change (lease renewal, utility add-ons, fee changes), a mortgage escrow or rate adjustment, or a change to your car payment — Split Pay:
Covers the new full amount to your portal
Adjusts your first and second Split Pay payments to match the new amount
Keeps the same split percentage you were approved for
So if your payment goes from $2,000 to $2,200 and you're approved at 50%:
Last month: $1,000 first payment + $1,000 second payment
This month: $1,100 first payment + $1,100 second payment
A few important things:
1. Increases beyond your approved amount.
If your new amount goes well above what Split Pay originally approved you for (more than 20% higher), the system may not be able to cover the full amount. You might see:
A request to reapply for a new approval amount
A note that this month's payment can't be covered automatically
If this happens, get in touch — we can talk through reapplying.
2. Decreases.
If your amount goes down, your Split Pay payments shrink to match. No action needed.
3. Big one-time charges.
If your portal pulls a big one-time charge (a credit applied and reversed, a lease termination fee, a large escrow shortage, etc.) along with your normal payment, Split Pay sees that as one combined payment. If the total exceeds your approval amount significantly, the payment may not process. See the FAQ on what happens if a portal payment exceeds your approved amount.
4. Mid-month changes.
Split Pay reflects whatever your portal actually pulls. If you're catching up on a past-due balance or in the middle of paying back your second payment, an amount change for next month doesn't affect what you owe for this month.
Want to see what's happening?
The Split Pay app shows your actual payment amounts month over month
If the amounts don't match what you expected based on your portal, see the FAQ on Why does my payment amount or due date in Split Pay differ from what I see in my portal?
Get in touch if anything looks off.