🟢 How Much Does Livble Cost?
Livble offers flexible rent-splitting with clear, predictable pricing. Your origination fee reflects the plan available to you at approval, when you split your rent, and whether you do it during split-rent business hours or after hours.
💵 Origination Fee Basics
Your origination fee reflects the plan available to you at approval and is shown on your approval screen.
Split early (by the 1st) → lowest fee.
Later in the Rent Window → higher fee.
After business hours → Instant-Split may be available to you, which increases your current origination fee by $10 and requires linking a debit card. Your first installment and origination fee are collected immediately from your debit card at the time of split. Remaining installments are charged from your linked bank account.
Origination fees are charged only in the months you use Livble. If you don't split your rent in a particular month, you won't be charged any fee. You are only charged when you actually choose to split your rent.
⏰ Split-Rent Business Hours
Monday–Friday, 6 AM–3 PM ET
Your installments are debited and your rent is paid between the 2–3 PM ET on business days.
This is the bank processing window, not Support hours (Support is Mon–Fri, 7 AM–7 PM ET).
📊 Pricing Table
Split Rent Date | During Business Hours | After Hours — Scheduled | After Hours — Instant |
From rent window open through end of day on the 1st | $30/$40 | $30/$40 | $40/$50 |
2nd or 3rd | $35/$45 | $35/$45 | $45/$55 |
4th onward | $40/$50 | $40/$50 | $50/$60 |
Fees start as low as $30. Your specific fee reflects the plan available to you at approval. Your final fee will be shown on the confirmation screen before you complete your split.
⚠️ Late Fee Policy
A $15 late fee is automatically charged if your balance remains unpaid for 45 days after the loan origination date (i.e., after a 15-day grace period from the 30-day due date).
Outstanding Balance: Late fees only apply if you have an unpaid balance. If you clear your balance by the 45th day, no late fee will be charged.
To avoid late fees, ensure all payments are completed within 30 days of splitting your rent.
⚠️ Important Note About Failed Payments
If an installment payment fails and is returned by your bank due to insufficient funds, a $25 returned payment fee may apply.
To avoid this, ensure your bank account maintains sufficient funds for 1–2 business days after your installment is debited. Even if funds are available at the time of the debit, a returned payment can occur if your balance drops during the processing period before the payment fully clears.
❓ Frequently Asked Questions
Why is my origination fee the amount it is?
Your origination fee is automatically determined by Livble's system and reflects the plan available to you at approval. You can find more details about your specific fee in the app on your approval screen.
How does Instant-Split work?
Instant-Split may be available to you outside of business hours and allows your rent to be paid right away. Splitting outside of business hours increases your origination $10 to your fee and requires linking a debit card for your 1st payment and origination fee only. Remaining installments are scheduled through your linked bank account as normal.
Will I be charged a fee if I don't split my rent this month?
No — Livble only charges a fee when you actively split your rent. If you don't split rent during a given month, no fee or debit will be applied. Livble operates on a transaction-based model, meaning you're only charged when you choose to use the service.
How much is the late fee if my installment is past due?
The late fee is $15 for an overdue balance, regardless of the amount.Will a late fee still be charged if I clear my balance by the 45th day?
No, a late fee is only charged when your balance remains unpaid 45 days past your split date.
✅ Best Practices
Split Early: Aim to split your rent by the 1st to minimize fees.
Ensure Funds: Confirm your bank account has sufficient funds when you initiate the split — including on your linked debit card if using Instant-Split.
Use Instant-Split if it's close to late-fee deadlines.
Stay Informed: Monitor your payment schedule and reach out to Livble Support if you anticipate any issues.