🟢 How Much Does Livble Cost?
Livble offers flexible rent-splitting with clear, predictable pricing. Your origination fee depends on when you split your rent and whether you do it during split-rent business hours or after hours
💵 Origination Fee Basics
Split early (by the 1st) → lowest fee.
Later in the Rent Window → higher fee.
After business hours → add $20 Instant-Split fee to your origination fee if you want rent paid right away.
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
Payments leave Livble between 2–3 PM ET on business days.
These are bank network hours, 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 |
By 11:59 PM PT on the 1st | $30 | $30 | $50 |
2nd or 3rd | $35 | $35 | $55 |
4th onward | $40 | $40 | $60 |
⚠️ 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.
This applies whether the payment was scheduled or immediate.
To avoid this, ensure your bank account has enough available funds at the moment you split rent and when ACH runs (2–3 PM ET on business days).
❓ Frequently Asked Questions
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 now 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.
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.