Quick answer
The closest apps like Flex are Livble, which splits rent into up to 4 payments if your building already offers it, and Split Pay, which splits rent into two payments with most landlords. Zenbase, Jetty Rent, Kasheesh and a new Affirm pilot take different approaches. The best choice depends on where you rent, how often you split and whether you want credit reporting.
Rent split apps compared
| App | How it splits rent | Cost | Where it works |
|---|---|---|---|
| Livble | 2, 3 or 4 installments within 30 days | $30 to $60 per split, no membership | Supported resident portals only |
| Flex | Two payments: part on the due date, part later | $5.99 a month + 0.5% of rent + split fee up to 3% of the borrowed amount | Most portals, or direct to landlord |
| Split Pay | Two payments, with 30% to 50% paid later | $9.99 a month + 1.5% of rent | Most landlords |
| Zenbase | Two payments | Reported at $9.90 a month + 0.75% of rent | Mainly Canada |
| Jetty Rent | Pays rent on the 1st; repay by the 24th | Monthly service fee | Participating properties |
| Kasheesh | Splits one payment across several of your cards | Check current fees; card interest may apply | Landlords that accept card payments |
| Affirm (pilot) | Two payments | Requires an Esusu Plus or Premium plan ($35 or $50 a month) | Pilot with Esusu |
Pricing from each company's help pages and published reporting, September to October 2026. Fees change, so confirm the cost in each app before you sign up.
Livble: the most payment flexibility
Livble lets you split one month's rent into 2, 3 or 4 installments and place each one on a payday, which suits renters paid weekly. You pay one flat fee only in months you split, with no membership. The catch is availability: it only works where your property uses a supported portal such as LOFT, Buildium, ClickPay or Bilt. See which portals support Livble and how Livble fees work.
Flex: the widest reach
Flex is the best-known rent split app. It usually takes part of your rent on the due date and the rest later in the month. Under its current pricing, Flex charges a $5.99 monthly membership that renews until canceled, a 0.5% processing fee and a split fee of up to 3% of the amount you borrow, plus 2.5% if you pay by credit card. Members on its older pricing may still pay up to $14.99 a month plus 1% of rent. Flex reports on-time rent to TransUnion. For a head-to-head, read Livble vs Flex.
Split Pay: two payments with most landlords
Split Pay, formerly The Rent App, pays your rent and lets you move 30% to 50% of it later in the month for $9.99 a month plus 1.5% of rent. It's reported to skip the credit check and offers opt-in reporting of successful rent payments to two credit bureaus. It's a strong pick if your landlord isn't on a Livble portal and two payments are enough.
Zenbase and Jetty Rent
Zenbase splits rent into two payments and reports payment history to credit bureaus, but it's primarily a Canadian service. Jetty Rent pays your landlord on the 1st and gives you until the 24th to repay in one or more installments for a monthly service fee, but only at participating properties.
Kasheesh and the Affirm pilot
Kasheesh isn't a rent loan. It splits a single payment across several debit or credit cards you already have, so it only helps if your landlord accepts cards and your cards have room. Affirm began piloting a two-payment rent option in early 2026 with Esusu, but renters need an Esusu Plus or Premium subscription, which costs $35 or $50 a month.
How to choose the right app
Pick Livble if
- Your portal already offers it
- You want 3 or 4 payments, not 2
- You split some months, not every month
- Your rent is around $2,000 or more
Pick another app if
- Your landlord isn't on a Livble portal
- You want rent reported to credit bureaus
- Your rent is lower and two payments are enough
- You're in Canada (Zenbase)
None of them fit? If you need money for a deposit, moving costs or more than one month's rent, you can request $200 to $5,000 online and see the terms before you accept.
Request fundsFrequently asked questions
What apps are like Flex for rent?
The closest are Livble, which splits rent into up to 4 payments inside supported portals, and Split Pay, which splits rent into two payments with most landlords. Zenbase, Jetty Rent, Kasheesh and an Affirm pilot are other options.
Which rent split app has no monthly fee?
Livble has no membership. It charges a flat $30 to $60 only in months you split. Flex, Split Pay and Zenbase charge monthly membership fees.
Which app lets me split rent into 4 payments?
Livble lets you split rent into 2, 3 or 4 installments within 30 days. Most other rent split apps use two payments.
Which rent split apps report to credit bureaus?
Flex reports on-time rent to TransUnion, Split Pay offers opt-in reporting to two bureaus and Zenbase reports payment history. Livble promotes credit building but doesn't publish which bureaus it reports to.
Is Flex or Livble cheaper?
On lower rent, Flex's percentage-based fees can cost less. On rent around $2,000 or more, or if you only split some months, Livble's flat fee is usually cheaper.