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Split your rent with Esusu Pay
Same rent. Better timing
Align your rent more closely with your paycheck and build credit with every on‑time payment.
Three Simple Steps
Subscribe to Plus
Pick Your Payment Option
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Make Rent Work With Your Schedule
Better Split Than Never
Esusu Pay gives you room to breathe when the month gets tight. Every option is interest free.
Unlock Esusu Pay With Plus
Esusu Pay has options to split your rent into easier payments while your landlord still gets paid in full, but that’s not all. Get the tools you need with Plus.
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Flexible Rent Payments
Choose from flexible interest free rent options
Credit Building
Build your credit score through on-time rent reporting
Financial Coaching
Get 1:1 support from expert financial coaches
And More, Starting At Just $35 Per Month
Esusu Pay Has Your Back
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Unexpected Expenses
Car trouble or medical bill? Split rent when you need breathing room.
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Tight Budget?
Have flexible choices that work best for you.
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Peace of Mind
When life happens, rent shouldn't hold you back.
Same Rent. More Flexible Payments.
Get startedFrequently Asked Questions
Esusu Split Pay is a new way to pay rent that gives you more control and flexibility. Instead of paying your full rent amount at once, Esusu Split Pay allows you to pay a portion upfront and spread the remaining balance over two smaller payments. This program is in partnership with Stable Home Fund, a 501(c)(3) non-profit organization.
Stable Home Fund, a 501(c)(3) non-profit organization, partners with Esusu to provide the loans for Esusu Split Pay borrowers. More about Stable Home Fund can be found on their website.
Rent Relief is a zero-interest loan intended to provide an immediate, interest-free advance to assist those experiencing severe financial distress due to factors outside of their control. It typically features fixed repayment terms of 12 months, making it ideal for emergency situations. Esusu Split Pay, on the other hand, has a shorter repayment term of 30 days, designed to help you manage your cash flows better within a single rent cycle.
Verified renters at participating Esusu properties that are registered users of the Esusu App with a Plus or Premium subscription to the Esusu Service.
No. Program qualification confirms your ability to apply for Esusu Split Pay. However, final approval is subject to Stable Home Fund’s underwriting criteria. Esusu cannot override Stable Home Fund’s decision.
Download the Esusu App and subscribe to our Plus or Premium plan to access a unique application link to Stable Home Fund’s Rent Payment Solutions portal. You’ll need to fill out an application form with Stable Home Fund via the portal to be considered for an Esusu Split Pay loan.
It is recommended that you must apply at least 7 business days before your rent due date to allow time for processing and posting. Note that only one application will be allowed at any given time, but you may re-apply each month once you’ve paid off any outstanding Esusu Split Pay loans.
Esusu Split Pay is designed to give you more flexibility with your rent, and the downpayment is a key part of how it works. Your downpayment allows us to offer the remaining balance as a zero-interest loan. This keeps the solution focused on helping you meet your rent obligation without adding to your long-term debt.
Yes. When you make your downpayment, Stable Home Fund pays your full rent amount (downpayment + Esusu Split Pay loan) to your property manager within 2-5 business days. This ensures your rent is always settled on time, giving you peace of mind and protecting your rental history.
The payment term is set to 30 days at a semi-monthly repayment period where you'll be able to pay the balance back in two installments.
You can make or schedule payments by logging in to Stable Home Fund’s Rent Payment Solutions portal.
No. We do not charge interest or any hidden fees for this product. You can even pay your loan off early without any penalty!
It generally takes 2–5 business days for your Esusu Split Pay loan to be processed and sent to your property’s designated bank account. To avoid delays, you must apply at least 7 business days before your rent due date to allow time for processing and posting.
Contact Esusu Support at rentsupport@esusu.org. We will work directly with you, Stable Home Fund and your landlord’s property management team to resolve any issues related to payment settlement or posting delays.