Quick answer
To get started, open the payment section of a supported resident portal, choose Livble, link your bank through Plaid and pass the eligibility check. Then pick 2, 3 or 4 installments, drag them onto your paydays and tap "Split my rent." Your landlord is paid in full and the rest is collected automatically within 30 days.
Before you start: what you need
- A supported portal. It works inside LOFT, Buildium's Resident Center, ClickPay, Bilt and a few others. See the full list of Livble portals.
- This month's rent posted in your portal, between $100 and $5,000, with no late fee on your ledger.
- The bank account your paycheck goes into so your full cash flow is visible.
- The right timing. Splitting is only possible inside the monthly rent window, which usually runs from the 20th–25th of the month before rent is due until the 10th.
How to split rent with Livble, step by step
Open Livble in your portal
Go to the payment section of your resident portal and select the split-rent widget. Your landlord doesn't need to approve it.
Apply and link your bank
Connect your bank through Plaid. The service reviews your cash flow, spending patterns, portal history and identity, then tells you if you qualify this month.
Choose 2, 3 or 4 installments
Pick a plan and drag each payment onto a date that matches your paydays. Installments must be at least 2 days apart and fall within 30 days of the first one.
Check the fee and confirm
The confirmation screen shows your exact fee, from $30 to $60 depending on the split date. Tap "Split my rent" to finish.
Let the rest run automatically
Your first installment and the fee are debited right away and your landlord is paid in full. The remaining installments come out on the dates you chose.
How to sign in to the Livble app
You sign up through the widget in your resident portal. After that, you can manage your plan in the Livble app for iPhone or Android. Sign in with the phone number you used during sign-up, then enter the verification code Livble texts you.
Use official channels only. Download the app from the App Store or Google Play, or use your resident portal. Never enter your bank login on any other website.
How to change a payment date or pay early
Plans change. In the app you can move an upcoming installment to a different date, as long as it stays at least 2 days from the others and within the 30-day window. The first installment is collected when you split, so it can't be moved. You can also pay your next installment early at any time from the app, which some renters do when a paycheck arrives sooner than expected.
Try to finish your installments before the 25th. Completing the plan on time keeps your account in good standing for next month's eligibility check.
How to set up Livble AutoPay
If you split rent every month, AutoPay saves a step. When it's on, your rent is split and paid automatically on the 1st in months you're still eligible. Because the 1st falls in the cheapest part of the rent window, AutoPay also locks in the lowest fee tier of $30 or $40. If you don't qualify one month, AutoPay is skipped and you pay that month's rent directly in your portal.
When to use Instant-Split
Normal splits go through the processing window, Monday to Friday, 6 AM to 3 PM ET. A split made after 2 PM, on a weekend or on a holiday usually waits for the next business day. Instant-Split, when it's offered, pays your rent right away for an extra $10 and uses a debit card for the first payment. It's worth it when a landlord late fee is about to post, not when you're splitting days ahead.
Common mistakes to avoid
| Mistake | What happens | Do this instead |
|---|---|---|
| Waiting until after the 3rd | Your fee rises to $40 or $50 | Split on or before the 1st |
| Letting a late fee post | You can't split that month at all | Split early or turn on AutoPay |
| Linking a secondary account | Less of your income is visible, so you may be declined | Link the account your pay lands in |
| Spending the installment money | A returned payment can cost $25 | Keep a buffer for 1 to 2 business days after each debit |
For every cost in detail, see Livble fees explained. If the split option doesn't appear, our Livble eligibility guide explains each "can't split" message.
Need money for more than rent? If your portal doesn't offer Livble or you also need a deposit or moving costs, you can request $200 to $5,000 online.
Request fundsFrequently asked questions
How do I start using Livble?
Open the payment section of a supported resident portal, select the split option, link your bank through Plaid and complete the eligibility check. If you qualify, choose your installments and confirm the split.
How do I log in to the Livble app?
After signing up through your resident portal, open the app and sign in with the phone number you used to register, then enter the verification code sent by text message.
Can I change my Livble payment dates?
Yes. You can move upcoming installments in the app as long as they stay at least 2 days apart and within 30 days of the first payment. The first installment can't be moved.
Can I pay Livble off early?
Yes. You can pay your next installment early from the app at any time.
Does Livble AutoPay cost extra?
No. AutoPay splits your rent on the 1st, which falls in the lowest fee tier of $30 or $40, and you're only charged in months a split actually happens.
How long does it take for my landlord to get paid?
Your full rent is sent when your split goes through. Bank transfers take 1 to 3 business days to clear, and posting to your ledger depends on your property manager.