Spread sits between you and your landlord. You choose how you pay each month. We make sure your landlord gets the full amount on the 1st, every time.
Sign up and add your rental details: your address, landlord information, and monthly rent amount. Spread handles the rest.
Takes about 5 minutes. No landlord action required to get started.
Each month, select how you want to pay. Pay by credit card to earn rewards, or apply to split your rent over time if you need more flexibility.
You choose one option per rent cycle. Options cannot be combined.
Spread transfers the full rent amount to your landlord on the 1st of the month, regardless of which payment option you choose.
Your landlord is always paid in full, on time. No exceptions.
If you paid by card, your credit card statement handles the rest. If you split rent, you pay Spread according to your agreed schedule. Either way, every on-time payment is reported to Canadian credit bureaus.
Manage everything from your Spread dashboard.
Pay by credit card to earn rewards, or split your rent over the month for more control over your cash flow. Either way, your landlord is paid in full on the 1st.
Use your existing credit card to pay rent. Earn points, cashback, or travel rewards on your largest monthly expense without changing anything for your landlord.
Spread your rent payments over the course of the month instead of paying all at once, giving you more control over monthly cash flow without changing anything for your landlord.
A brief eligibility check is required to unlock split payments. Most renters qualify in minutes.
Your Spread dashboard gives you a clear view of your rent payments, upcoming due dates, and payment history, so you always know where you stand.
Check the FAQ for answers about eligibility, approval, payment options, and more.
View FAQ
