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 make their car payment 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 auto servicer charges high late fees or reports late payments 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 payment
This isn't usually the right call — most landlords have less flexibility than auto servicers — but it can apply
One thing not to do: don't try to "switch" mid-month between bills. Your second payment has to be paid off (it settles in 3–5 business days) and your current plan cancelled before you can apply for a different product. Switching is a multi-week process, not a same-week option.
The bigger picture:
Split Pay supports one active split at a time today; splitting more than one bill is something we hope to offer in the future.
If both bills are too much: reach out at splitpay.com/help — there are a few ways we can help. Always better to talk than to let either bill go past due.