🛑 What Can Affect Your Eligibility?
Each month, Livble runs a full eligibility assessment before approving a new split plan.
Payment history is one important part of that review. Your eligibility may be impacted by:
Late installments (not repaid within 30 days)
Failed ACH payments (insufficient funds, disconnected bank, etc.)
Returned payments (such as R01 insufficient funds)
Disputed, blocked, or reversed payments
Outstanding balances
Late fees on your community ledger (blocks splitting for that month only)
Eligibility is also influenced by broader financial activity and underwriting factors, which are reviewed automatically each month.
⚠️ Failed Payments & Fees
If an installment debit is attempted and your bank returns it:
A $25 returned payment fee may apply
The installment still must be repaid
Repeated failures may affect future eligibility
Livble may retry a failed payment and may attempt secondary linked bank accounts if available — but you are responsible for ensuring funds are available and payments succeed.
🚫 Disputed or Blocked Payments
If you dispute, block, or reverse a payment with your bank:
We receive ACH return codes reflecting that action
The payment cannot be re-collected automatically
Your eligibility may be significantly impacted
You must resolve the issue with your bank before using Livble again.
🕒 Late Timeline Reminder
Loans have a 30-day repayment period
After 30 days, your balance is considered late
If unpaid after 45 days, a $15 late fee applies
Late status and unresolved balances may affect eligibility
📌 Important About Community Late Fees
If a late fee appears on your community ledger (even if pending), you cannot split your monthly dues for that month
This only affects the current month — not permanent eligibility.