01
Choose your payment option
Each month, select how you want to pay by credit card or apply to split your rent over time. One option per rent cycle.
Now Accepting Waitlist Signups
Your landlord gets paid on the 1st. You pay your way.
Spread gives renters more control over how and when they pay rent. Pay by card, split your rent over time, and manage monthly cash flow without changing how your landlord gets paid.
How It Works
Three steps. Zero surprises.
02
We pay your landlord on the 1st
Your landlord receives the full rent amount, on time, every time. No delays. No awkward conversations.
03
You pay on your schedule
Manage rent payments through your Spread dashboard and stay in control of cash flow, month after month.
For Renters
Rent, on your terms.
Pay by credit card
Earn rewards on your biggest monthly expense. Use the card you already have to pay rent and let the points add up.
Split rent over time
Spread your rent payments over the course of the month when you need more flexibility with your cash flow.
Landlord always paid on time
No awkward conversations. No late fees. Your landlord gets the full amount on the 1st, regardless of your payment option.
Build your credit score
Every on-time rent payment through Spread is reported to credit bureaus, helping you build a stronger credit history.
Early Access
Be the first to get access.
Spread is launching in Canadian cities. Join the waitlist and we'll let you know when it's available in your area.
Security
Built with security at the core.
Spread is designed for Canadian renters and built to the standards you would expect from a modern financial platform.
Bank-level encryption
Your data and payment information are protected with the same standards used by financial institutions.
Canadian renters only
Spread is built specifically for the Canadian rental market and designed with local renters in mind.
Your landlord is always paid on time
We handle the payment to your landlord on the 1st, no matter which option you choose.
FAQ
Common questions.
How does Spread work? +
Spread sits between you and your landlord. You choose how you want to pay, and Spread makes sure your landlord receives the full rent amount on the 1st.
Can I pay rent with a credit card? +
Yes. Spread lets eligible renters use an existing credit card for rent so they can manage cash flow and earn card rewards.
What does "split rent" mean? +
Split rent lets approved renters divide their rent into smaller payments over the month while the landlord still gets paid in full on time.
Can I use both options at the same time? +
No. You select one payment option for each rent cycle so your monthly plan stays clear and predictable.
Does Spread help build my credit score? +
On-time payments through Spread can be reported to credit bureaus, helping you build credit history through rent.
Is Spread available in my city? +
Spread is launching in Canadian cities. Join the waitlist and we will let you know when it is live where you rent.
Is my information secure? +
Spread is designed with encrypted payment handling, secure account workflows, and Canadian renter privacy in mind.
Early Access
Be the first to get access.
Spread is launching in Canadian cities. Join the waitlist and we will let you know when it is available in your area.
No spam. No commitments. Just early access.