A three-step process. Here's what it looks like.
Step 1: Finish out your current Split Pay split.
Make sure your second payment is fully paid off (and settled — typically 3-5 business days after payment)
If you're partway through a split and want to wrap up faster, you can pay your second payment early at any time through the app
Step 2: Update your old bill's payment method.
If you were using Split Pay through your landlord's portal: remove Split Pay's account numbers from the portal and replace with your bank account or another payment method
If you were paying your lender or servicer directly through Split Pay: update them to use your regular bank account going forward
You're now paying that bill in full each month from your own funds
Step 3: Apply Split Pay to your new bill.
Open a fresh application in the Split Pay app for the new product
Eligibility is evaluated fresh — different products have different rules
If approved, you'll get a new set of Split Pay account/routing numbers to use with the new bill
Add those to the new bill's payment setup
Once everything is in place:
Your old bill pays from your bank account in full each month
Your new bill goes through Split Pay (split into two installments)
A few things to know:
You can't have two active Split Pay arrangements running simultaneously — finish the old one first
Approval on the new product isn't guaranteed even if you had Split Pay before
Get in touch if you want to talk through whether this is the right move for your situation