Best apps like Settld.

10+ similar apps compared and reviewed

4.6 avg rating
10 free apps
Updated October 2026

Whether you want more options like Settld. or a completely different take on the same concept, our curated list of 10+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to Settld.

Pay with Sublime#1

Pay with Sublime by Sublime Payments Company

Split up and save on bills
Editor's Choice
💰 Finance
4.7(157 ratings)
Free
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This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Carpay#2

Carpay by CarPay, Inc.

Car loan management made easy
Strong Contender
💰 Finance
4.8😞(4.9K ratings)
Free
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Easily manage your car loan on the go. Make payments, view balances, and schedule automatic payments. Receive timely notifications to stay on top of your loan.

What We Love

  • ⭐ Convenient and easy to use
  • ⭐ Secure payment method
  • ⭐ Helpful for making car payments remotely

Room to Improve

  • 💰 Excessive and unexpected fees
  • 🔒 Security issues with login and payment processing
  • 🐛 Buggy and unreliable app functionality
Split – Pay Together#3

Split – Pay Together by Split Mobile Inc.

Split bills with friends
Worth Considering
💰 Finance
4.7😊(754 ratings)
Free
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Easily divide expenses with friends and track shared costs. This app simplifies group payments for everything from rent to vacations, allowing guests to pay via various methods even without the app. It automates reminders and provides transparent totals for stress-free financial management.

What We Love

  • 👍 Easy to use with friends
  • 🚀 Seamless bill splitting
  • 💡 Convenient and efficient
  • 👍 Straightforward interface

More apps like Settld.

4
PayLater: Split Your Payments
PayLater: Split Your Payments
PayLater: Split Your Payments
Relax, PayLater
Free

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
💰 Finance
(304)
free
5
Split Pay: Split Bills in Two
Split Pay: Split Bills in Two
Split Pay: Split Bills in Two
Rent, Mortgage & Car Payments
Free

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

Split rent into two paymentsBuild credit historyImprove budgeting
💰 Finance
(20K)
free
6
Livble - Split your rent
Livble - Split your rent
Livble - Split your rent
Pay rent on your own schedule
Free

This app allows users to pay their rent in flexible installments throughout the month. It offers a convenient way to manage rent payments on your own schedule.

Pay rent in installmentsFlexible payment schedulesManage rent payments
💰 Finance
(2.8K)
free
7
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
Free

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Pay any billFast paymentsSecure processing
💰 Finance
(118K)
free
8
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Manage Debt, Credit & Budget
Free

Manage all your credit cards in one place, track spending, and get personalized AI advice to pay off debt faster. Features include balance transfers, credit building, and automated payoff strategies.

Manage all credit cards in one appBalance transfers to low APR credit linesCredit building with reporting to bureaus
💰 Finance
(4.3K)
subscription
9
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Buy now pay later for bills
Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history
💰 Finance
(36K)
free with in-app purchases
10
Cashably: Cash Advance, Credit
Cashably: Cash Advance, Credit
Cashably: Cash Advance, Credit
Instant Cash, Loan & Money App
Free

Explore instant cash advance and personal loan offers from various providers. Access financial tools for credit building and budgeting, and earn cash rewards. Some premium features require a subscription.

Explore loan offersPersonal loan comparisonCredit building tools
💰 Finance
(21K)
freemium