Two solutions designed to transform your rental experience
Split your rent into two manageable payments while building your credit score automatically.
Split your rent into two manageable payments while building your credit score automatically.
Both products help improve your credit score automatically
Split your rent into manageable payments that work with your cash flow, not against it.
See your credit score improve with consistent, on-time payments.
Build a strong credit history that opens doors to better financial opportunities.
Apply online
Get approved
Start building
Complete this application to determine eligibility. You should have a decision within three minutes. You can stay on the waiting page or look out for an email once the review is complete. If eligible, we will share details on the next steps!
Yes, for Spliit-It there is a monthly £9.99 subscription and a 1.5% fee while you are using the service. There is a £30 fee per month you use the Move-In loan.
Examples:
Spliit-It:
Example: If your rent is £1200, your first installment, the monthly subscription and 1.5% fee will be taken from your account 3 days before your rent due date. Your second installment will be taken on the date you chose when signing up.
Rent is £1200
First Installment: £627.99
Second installment: £600
Move-In Loan:
Example: £3000 borrowed for 3 months. Your first repayment will be taken 30 days after receiving your Move-In loan, your second repayment will be taken 60 days after receiving your Move-In loan and your final repayment will be taken 90 days after receiving you Move-In loan
First installment: £1030
Second Installment: £1030
Third Installment: £1030
If you have insufficient funds in your account on the scheduled dates, we will make two more attempts to retrieve funds. After the final attempt, we will pause any future payments to your landlord and you may lose access to Spliit-It. If you would like to discuss alternative repayment options before we suspend your account, please reach out to the support team.
If your Spliit-It application was not approved, you can apply again. We can’t guarantee approval on a second or subsequent attempt. There are two options:
Wait 30 days: We recognize that people’s financial records change over time. If you were rejected the first time, try again 30 days later.
Reapply now: Our Support team can attempt to reset your account earlier than 30 days if your initial application meets specific criteria:
Information you provided initially was incorrect, for example, you failed to add a bank account, want to add a different one, or requested the incorrect amount and
Your initial financial profile meets the eligibility requirements for Split Pay.*
*Our Support team cannot disclose these details if requested.
We report to the bureaus every month.
The best place to see your credit score is with the credit agencies. You will have to create an account with them, but it’s free.
TransUnion – Please note to see your TransUnion credit score you will need to create an account with their partner, Credit Karma.
Experian
Equifax
While you’re there, ask a credit agency to provide a free statutory report. It contains most of the data on you that they provide to lenders. It’s worth checking out to see if there are any errors that need fixing.
And remember, checking out what credit agencies hold on you doesn’t affect your credit score.
Send us an in-app message requesting a copy of your personal data. Please be specific on what data you require, as this will help us to find what you want.
Your security
Before we can process your request, we will need to check your name and contact details. If needed we will ask you for a copy of your current passport, drivers licence or other government-issued identify document.
If you are requesting the data on behalf of someone, please provide a letter of authority from the customer. We may also need to contact the customer directly.
About your request
We will review your request. A request usually take up to 30 days to process. If your request is complex, it may take up to 90 days. When your personal data is ready, we will contact you with instructions on how to securely access it.
Your credit file
If your request is about the data held in your credit file/record, please contact the credit reference agencies directly. These are Trans Union, Experian and Equifax.
Fees and right to decline
If we reasonably believe the request is manifestly excessive, we will charge a £10 fee.
If we reasonably believe the intent of the request is to harass us and to cause delays and disruption, we may decline the request.
You have the right at any time to require that we delete the personal data that we hold for you, where it is no longer necessary for us to hold it.
However, whilst we respect your right to be forgotten, we may still retain your personal data in accordance with applicable laws including for example to enforce any debt you owe to us.
When you apply for an account but are declined credit; we will keep your personal data for statistical analysis, fraud prevention and credit scoring purposes. If you have consented to receiving marketing from us, in the event your application is declined, we will continue to retain your personal data in order to send marketing to you.
Please note that you can withdraw your consent to receive marketing from us at any time by contacting Customer Services or using the unsubscribe link in any email we send you.
For more information, check out our privacy policy. If you have any questions do not hesitate to get in touch with us.
We use in-app and push notifications to keep you informed about Spliit-It and Move-In loans, service status, feature updates, and changes to the terms and conditions. We also use notifications to ask for feedback on how well we are doing and where we can improve.
As backup, we may send emails and SMS texts. Our friendly Customer Service team may also call you or reach out for an in-app chat.
We will not call you or initiate an in-app chat outside office hours. We will not send you SMS texts between 8pm-8am.
You may receive a notification or email outside office hours. These are sent by our system when it has processed your Spliit-It or Move-In payments. We do not expect you to read these until the next day when it is convenient.
