Quick answer
Livble lets homeowners split monthly HOA and community dues into scheduled installments through ClickPay, where the option is called Livble Flexible Payments. The community is paid upfront and you repay over 30 days. The fee is $10 to $30 per split based on your dues amount, and it's available in 25 states where your association has switched it on.
How Livble HOA payments work
The HOA program is separate from the rent program for tenants. It's built for owners who pay association or community dues through ClickPay. When you choose Livble Flexible Payments, the full dues amount goes to your community right away, then collects your installments on a standard 30-day schedule from your bank account.
Log in to ClickPay
Open the payment screen for your association dues.
Choose Livble Flexible Payments
If your association has enabled it and you live in a supported state, it appears as a payment option.
Get approved and pick your schedule
Link your bank and choose your installments over the 30-day period.
Your community is paid in full
The dues are paid upfront and your installments are debited automatically.
Livble HOA fees
HOA pricing depends on the size of the bill, not the date you split. There's one fee each time you split and nothing in months you don't.
| Monthly dues | Fee per split | Fee as a share of dues |
|---|---|---|
| Less than $300 | $10 | About 3.3% or more |
| $300 to $600 | $15 | 2.5% to 5% |
| $600 to $900 | $20 | 2.2% to 3.3% |
| $900 to $1,200 | $25 | 2.1% to 2.8% |
| More than $1,200 | $30 | 2.5% or less |
Two other charges can apply: a one-time $15 late fee if a balance is still open 45 days after the split, and a $25 fee if your bank returns a payment. Installments are paid by bank transfer (ACH); debit and credit cards aren't accepted for HOA installments. For rent pricing, see Livble rent fees.
States where Livble HOA splitting is available
- Alabama
- Alaska
- Arkansas
- Colorado
- Delaware
- Florida
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Michigan
- Montana
- New Mexico
- New York
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
A supported state isn't enough on its own: your association also has to enable Livble Flexible Payments in ClickPay. If you don't see it, ask your HOA manager whether it's turned on.
Is splitting HOA dues worth it?
Makes sense when
- Your dues land before payday and you'd otherwise pay late
- Your association charges a late fee higher than the split fee
- Your dues are large, so the flat fee is a small share
- You want to avoid putting dues on a credit card
Think twice when
- Your dues are under $300, where $10 is a bigger percentage
- You'd need to split every month to cover them
- Your bank balance is tight around the installment dates
- You need money for repairs or a special assessment beyond regular dues
HOA splitting vs rent splitting
| Feature | HOA dues | Rent |
|---|---|---|
| Who it's for | Homeowners in an association | Renters |
| Where you use it | ClickPay | Supported resident portals and the mobile app |
| Fee set by | Dues amount ($10 to $30) | Split date and plan ($30 to $60) |
| Repayment | Scheduled over 30 days | 2 to 4 installments within 30 days |
Need more than your dues? For a special assessment, repairs or other bills, you can request $200 to $5,000 online.
Request fundsFrequently asked questions
Can I use Livble for HOA dues?
Yes. Homeowners can split monthly HOA and community dues through ClickPay, where the option is called Livble Flexible Payments, if their association has enabled it and they live in a supported state.
How much does Livble charge for HOA dues?
The fee is $10 to $30 per split, based on the size of your monthly dues. A $15 late fee applies if a balance is unpaid 45 days after the split, and a $25 fee applies to returned payments.
Which states offer Livble HOA payments?
There are 25 listed states, including Florida, Texas, New York, Illinois, Pennsylvania, Ohio, Michigan, North Carolina and Virginia. Your association must also enable the option in ClickPay.
Can I pay Livble HOA installments with a credit card?
No. HOA installments are paid by bank transfer, and debit and credit cards aren't accepted.
Why don't I see Livble Flexible Payments in ClickPay?
Either your association hasn't enabled it or your state isn't supported. Ask your HOA manager whether the option is turned on for your community.