If you know you won’t have enough funds for an upcoming installment, it’s important to take action before the scheduled processing time.
Installments are expected to be paid on their scheduled dates, and missed payments can affect your eligibility to use Livble.
🚨 Important: This Does Not Apply to Your First Payment
This article applies only to upcoming installment payments that occur after your split-rent plan is activated.
Your first payment (first installment + origination fee):
Is due immediately when you initiate a split-rent plan
Activates your loan and allows Livble to pay your rent
Cannot be adjusted, rescheduled, reduced, reversed, or removed
Must successfully process for the split-rent plan to begin
If you can’t make the first payment at the time of splitting rent, you won’t be able to start a split-rent plan.
If a first payment fails after being attempted, you’re still responsible for repaying it like any other installment. Failed first payments are one of the fastest ways to negatively impact future eligibility.
🧾 How Installments Work
Installments are automatically processed on the dates shown in your plan.
Processing typically begins around 2 PM ET on business days.
What happens depends on whether funds are available at the moment processing occurs.
🛠️ What to Do If You Can’t Make an Upcoming Installment
If you know you won’t be able to make an upcoming installment:
Edit your installment plan from your Livble dashboard (if available), or
Contact Livble Support as early as possible to request an adjustment or reschedule.
⏱️ Timing matters. Requests made too close to processing may not be updated in time.
⏰ Important Support Timing
Support hours: Monday–Friday, 7 AM–7 PM ET
Requests sent outside of business hours won’t be reviewed until the next business day.
If you need a due date adjusted, only a human specialist can help, and changes must be made before processing begins.
⚠️ Rescheduling an installment does not reset your repayment timeline. Your balance is still considered past due after 30 days from your split date, and a $15 late fee applies on Day 45 if the balance remains unpaid.
🚫 If There Are No Funds on the Scheduled Date
If there are no available funds in your linked bank account(s) at the scheduled time:
❌ No debit attempt is made
❌ The installment automatically fails
⚠️ The missed installment may affect your future eligibility
📌 The balance is still owed and must be paid
❌ If a Debit Is Attempted and Fails
If an installment is attempted and fails due to insufficient funds:
A $25 returned payment fee may apply
Livble may retry the debit on the next business day
Livble may attempt to debit a secondary linked bank account, if available
Failed debits may impact your eligibility
Why This Happens
Banks return payments using ACH return codes (like R01: insufficient funds).
This means there weren’t enough available funds at the exact moment of processing, even if your balance looked sufficient earlier.
Common causes include:
Multiple transactions posting at the same time
Pending charges reducing available balance
Banks posting debits in different orders
These return codes come directly from your bank — not Livble.
🔁 What Happens After an Installment Payment Fails
If an installment payment fails, Livble will automatically retry the debit on the next business day in most cases.
However, you do not need to wait for that retry — and you do not need to contact Support to resolve it.
✅ You Can Pay the Failed Installment Manually
As soon as you have funds available, you can manually initiate a new debit attempt for the failed installment:
Log in to your Livble account (via your tenant portal or app)
Locate the failed installment
Select Pay to reinitiate the payment
This manual payment applies directly to the failed installment and helps you get back on track with your original repayment schedule.
💡 Best practice: Acting quickly is always better. Proactively paying a failed installment reduces the risk of fees, delinquency, and eligibility issues.
⏰ Late Fee Policy (Important)
Rescheduling installments does not extend your repayment timeline. An outstanding balance beyond 30 days from the loan origination date results in delinquency.
Livble does not charge late fees for missed installments alone.
A $15 late fee is applied only if your outstanding loan balance remains unpaid 45 days after the loan origination date.
✅ Summary
Upcoming installment payments are expected to be paid on their assigned dates after your split-rent plan is active.
If you can’t pay, act before processing — don’t wait for failure
No funds = automatic failure (no debit attempt)
Failed debits may trigger a $25 returned payment fee
Outstanding balances past 45 days incur a $15 late fee
Support can help adjust dates, but only during business hours
📌 Pro Tip
If you’re unsure you can make a payment on time, reach out early. Waiting until after hours or after processing starts limits your options and increases the risk of fees or eligibility issues.