“Deceptive advertising — This app claims it doesn’t check your credit report not true!!They do a what they call soft pull upon my checking with them. They then simply turn an application down when access to your personal information is…”
Independent automated assessment · 3 signal sources · 524 reviews scanned · analyzed 2026-10-04.
4.9 ★18,028 ratings
—Downloads
4+Age rating
67 MBApp size
FreeIn-app purchases
About this app
Split Pay turns your biggest bills into two smaller payments, timed to your paychecks. Same total, smarter timing. There's no credit check, and it works with any landlord or lender. Less pressure. More room to breathe.
Split rent, mortgage, or car payments to fit your paycheck rhythm, not the other way around. Your landlord or lender gets paid in full on day one.
Download Split Pay to put rent, mortgage, and car payments on your own schedule.
SPLIT PAY APP FEATURES:
WHY 200,000+ HOUSEHOLDS CHOOSE SPLIT PAY:
One bill, two payments, smarter timing.
Works with any landlord, lender, or servicer. No building integration, no virtual cards, no workarounds.
No established credit history? You can still apply. Eligibility is based on factors such as income and cash flow, not your credit score.…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
This analysis describes version 2.0.6 of the app, analyzed 2026-10-04 . The app may have changed since.
The store currently lists version 2.0.6, updated 2026-09-28.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to fewer than 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
1 theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
90% or more five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
One source only — shown, not confirmed 1
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Reports that the ads misrepresent the app
Reviewers repeatedly report that the app is not what its advertising showed. We never see the ad creative itself, so nothing we collect can corroborate or refute this — it is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Misleading advertising: raised by 7 distinct reviewers (1.3% of 524 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“Completely False Advertisement — They advertise like it’s easy to use. They don’t tell you that you have to check eligibility. What sense does that make? It’s not a credit check. You aren’t just automatically eligible like they advertise.”
“False Advertising — When I downloaded the app was advertising “half now, half later”. My rent is barely split, I should’ve stayed with Flex.”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 2.0.6.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.