Right now, you'd pick one to split through Split Pay and pay the other in full from your own funds. Here's how to think through it.
Two practical approaches:
Approach 1: Split the bigger or harder one.
Usually rent is the bigger bill, so most people split rent and pay their car loan from cash
Splitting the bigger bill spreads more dollars across the month
The smaller payment is easier to handle in full
Approach 2: Split whichever has stricter consequences for being late.
If your car loan has high late fees or affects your credit aggressively, split that one
If your landlord has flexibility (or you've worked something out with them), pay rent in full and split the car loan
This isn't usually the right call — most landlords have less flexibility than car loan servicers — but it can apply
One thing not to do: don't try to "switch" mid-month between bills. A Split Pay split has to be paid back fully (both first and second payments) before you can apply for a different product. Switching is a multi-week process, not a same-week option.
The bigger picture:
This kind of week-to-week balancing is exactly why we're building multiple concurrent splits. Once that launches, you'll be able to split both bills at the same time and not have to choose.
In the meantime, if both bills are too much: get in touch. We have flexibility for tough situations and can talk through the options with you — see the FAQ on financial hardship. Always better to talk than to let either bill go past due.