Yes — you can switch the bill you split in any direction: from rent to a mortgage, from a mortgage to a car loan, from a car loan to rent, 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.)
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 — a decline means waiting about 30 days before reapplying for anything, since every application looks at the same financial picture. 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.
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 loan).
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.
How long does the full switch take?
Most of the timeline depends on paying off your second Split Pay payment, 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.
One thing worth noting:
If your situation is genuinely changing (e.g., you moved and no longer pay rent but now have a car loan), get in touch — we can talk through how to wind down your current split as cleanly as possible.