Yes — you can switch the bill you split in any direction: from rent to a mortgage, from a mortgage to a car payment, from a car payment to rent, from rent to a student loan, or any other combination. Whichever bill you're splitting today, you can switch to a different one. (Split Pay runs one plan at a time, so switching means wrapping up your current one and then applying for the new bill.)
If you just want to keep splitting the same bill next month, you don't cancel or reapply — see How do I use Split Pay again for next month's payment?
Picked the wrong product when you signed up? If you tapped Mortgage when you meant Rent (or any other mix-up) and you haven't made any payments yet, the fix is simple: cancel the application from your home screen and apply for the right bill right away — no waiting.
One exception: this only works if you cancelled your application yourself. If your application was declined, applying for a different product won't change the outcome right away — after a denial you can apply once every 30 days, counted from the decision date, for any bill, since every application looks at the same financial picture. The only exception is connecting a bank account you haven't connected before, which lets you apply again right away. See When can I reapply if I was denied?
Already approved or on an active plan? You can switch yourself, right from your home screen:
Cancel your current plan. Tap Cancel Plan under your plan details. Your second Split Pay payment needs to be paid off first — a plan can't be cancelled while that payment is still outstanding.
Take Split Pay off the old bill. If you paid that bill through a portal, lender, or servicer, remove your Split Pay account and routing numbers from their payment settings and set up another payment method there. Otherwise they'll keep trying to pull from Split Pay, those pulls get rejected, and they may charge you a late fee. (If you paid your landlord directly through Split Pay, cancelling the plan already stops those payments.)
Reapply for the new bill. Open a fresh application for the bill you want to split next (e.g., switching from rent to a car payment).
Wait for the approval decision. Eligibility is evaluated fresh based on your current financial profile — different products have different eligibility rules.
Start using Split Pay on the new bill if approved, at your next billing cycle for that bill. Your Split Pay account and routing numbers stay the same, so you'll add the same numbers to the new portal, lender, or servicer.
Full walkthrough: How do I stop using Split Pay for one bill and start using it for another?
How long does the full switch take?
Most of the timeline depends on paying off your second Split Pay payment (it settles in 3–5 business days), so your current plan can be cancelled
Once that's done and you've cancelled, you can apply for the next product immediately
Approval decisions are usually instant
You'd start using Split Pay on the new bill at your next billing cycle for that bill
Why your second payment has to be settled first:
A Split Pay split is a financial commitment from us to you — we've already covered part of your bill on your behalf. Cancelling before that's settled would leave the commitment unresolved. You wrap up the current one first, then move forward with a new one.