A three-step process. Here's what it looks like.
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?
Step 1: Finish out your current Split Pay split — then cancel the plan.
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
Once nothing is in progress, open Plan Details and tap Cancel Plan. Paying off your balance alone doesn't end the plan — this step does, and you can't apply for a new bill until it's done
Step 2: Update your old bill's payment method.
If you were using Split Pay through a portal, lender, or servicer: remove your Split Pay account and routing numbers from their payment settings and replace them with your bank account or another payment method. If you skip this, they'll keep trying to pull from Split Pay, those pulls get rejected, and they may charge you a late fee
If you were paying your landlord directly through Split Pay: cancelling your plan already stops those payments — just make sure your landlord knows how you'll pay 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 (rent, mortgage, car payment, or student loan)
Eligibility is evaluated fresh — different products have different rules
Your Split Pay account and routing numbers stay the same — if approved, add them as the payment method for the new bill. (If you paid your landlord directly before and never had them, you'll receive them when you're approved for a portal, mortgage, car payment, or student loan product.)
For rent, you'll choose between paying your landlord directly through Split Pay or paying through your resident portal
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 payments)
A few things to know:
You can't have two active Split Pay plans running at the same time — finish and cancel the old one first
Approval on the new product isn't guaranteed even if you had Split Pay before, and the amount could be higher, lower, or similar
Contact our Support team if you want to talk through whether this is the right move for your situation