🟢 Short Answer
You can split rent during Livble’s Rent Window each month, which typically opens around the 20th of the prior month and closes around the 10th of the current month, depending on business days and holidays.
During split-rent business hours, rent is paid immediately. After hours, you may see options like Instant-Split (pay immediately for +$10) or Schedule (pay the next business day, when available).
🧾 Step 1: Get Approved
Before you can split rent, you must complete Livble’s application and be approved. Eligibility is assessed when you apply and again each month you attempt to split rent.
🗓️ Step 2: The Rent Window
The Rent Window is the period each month when splitting rent is available — and it defines which rent you can split. Livble can only split rent for the cycle whose window is currently open. Past months can't be split once their window has closed, and future months can only be split once their own window opens.
If your tenant portal is showing more than one month of rent, Livble won't be able to split until any past balances are cleared — meaning paid directly through your portal and no longer showing as an outstanding balance.
Usually opens between the 20th–25th of the prior month
Closes on the 10th of the current month (or the prior business day)
The final day closes at 2 PM ET
Example:
June 2026’s Rent Window: May 20th → June 10th
You’ll receive in-app and email reminders when the window opens and before it closes.
🕒 Step 3: Split-Rent Business Hours
Split-rent business hours determine how your rent is processed.
Monday–Friday, 6 AM–3 PM ET
Based on bank processing window, not Support hours (Support is Mon–Fri, 7 AM–7 PM ET).
Your installments are debited via ACH and your rent is paid between 2–3 PM ET on business days.
During business hours:
Your split activates immediately
Rent is sent right away via ACH
Only the standard origination fee applies
Splitting Rent on weekends
If you split your rent on a weekend, your rent will be scheduled to be paid on the next business day, as ACH payments aren't initiated outside of business hours. If Instant-Split is available to you, you can initiate your split-rent plan and pay your rent right away. Splitting outside of business hours adds $10 to your origination fee and requires linking a debit card for your 1st payment and origination fee only.
🌙 Step 4: Splitting Rent After Business Hours
Splitting after business hours is possible, but your options may vary.
You may see one or more of the following:
Instant-Split (when available)
Pays rent immediately, even after hours
Adds $10 to your current origination fee
Requires linking a debit card — your first installment and origination fee are collected immediately via debit card at the time of split
Remaining installments are collected via your linked bank account — debit cards are not supported for future installments
Helps prevent late fees if you're close to the cutoff
Schedule (when available)
Pays rent on the next business day (2–3 PM ET)
No additional fee
Make sure to keep sufficient funds in your linked bank account until the payment is confirmed — if the debit fails, your rent will not be paid
If you schedule, you’ll see a banner like:
“We will pay your rent on [Date], between 2–3 PM ET. Please ensure you have [$Installment + $Origination Fee] available.”
While your first installment shows Pending, your rent has not been paid yet. It will process with your first installment and origination fee at the scheduled time.
⚠️ If a late fee posts to your ledger before scheduling, you’ll become ineligible to split rent for that month.
💳 Step 5: Choose Your Installments
Select up to 4 installments
You can drag and drop to select dates
All installments must fall within the same calendar month
Weekdays only (no weekends)
💰 Step 6: First Installment Is Due Immediately
When you click “Split My Rent”:
Your first installment is debited immediately
Your origination fee, as presented on the confirmation screen, is debited at the same time
If Instant-Split was selected, your first installment and origination fee are collected immediately via your linked debit card
This first payment:
Activates your loan
Enables Livble to pay your rent
Cannot be scheduled, delayed, adjusted, or reversed
⚠️ Important Things to Know
Origination fee increases as the month progresses
By the 1st: $30/$40
2nd–3rd: $35/$45
4th onward: $40/$50
Late fee impact
Once a late fee appears on your ledger, you can’t split rent for that month.
Landlord payment timing
Livble sends rent immediately via ACH. Some portals mark rent “paid” at initiation; others after deposit (1–2 business days). Either way, payment from Livble is in motion right away.
📲 Track Your Plan Anytime
Use the Livble widget in your tenant portal
Or download and sign in to the Livble app with your phone number
Tap installments to view real-time status and details
