REPAYit vs Carpay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
REPAYit
View bills and make payments using your credit card or ACH directly on your device. Enter your merchant code to access your billing information and manage transactions securely.
- View bills on device
- Make payments with card
- Make payments with ACH
- Enter merchant code
- Secure transaction management
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Enter your Merchant Code given to you by your merchant to view your bills on your device and make payments with Card or ACH. More features on the way, so please provide us with your feedback.
Carpay
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.
- Make loan payments
- Print receipts
- Check account balances
- Schedule autopay
- Enable notifications
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Manage your car loan through Carpay's mobile app. Make payments, print receipts, check balances, schedule autopay, and enable notifications so you never miss anything!
Screenshots
Verdict
The clearest difference is rating: Carpay at 4.8 against REPAYit's 2.4. Carpay also leads on review sentiment (46% vs 10%) and ratings volume (4.9K vs 29). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Carpay holds the better App Store score, 4.8 against 2.4. That said, the two scores are not equally well evidenced: Carpay has 4.9K ratings behind it against 29, so its average is the more settled of the two. Written reviews point the same way: 10% of REPAYit's written reviews are positive against 46% of Carpay's.
REPAYit ships an update monthly, Carpay every 5 weeks. Both last shipped on September 20, 2026.
| Parameter | REPAYit | Carpay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (29 ratings) | 4.8 (4.9K ratings) — better |
| Positive reviews | 10.0% of reviews | 45.7% of reviews — better |
| Number of ratings | 29 | 4.9K — better |
| Update frequency | Monthly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 73 MB | 33 MB |
| Age rating | 4+ | 4+ |
| Developer | REPAY - Realtime Electronic Payments | CarPay, Inc. |
Customer experience
REPAYit
Carpay
Bugs and requests
REPAYit
Not enough reviews yet to summarise bugs or requests.
Carpay
Reported bugs
3 issues- Login credentials being deleted after app updates
- Inability to make payments through the app
- App failing to load user information
Requested features
3 requests- Ability to view payment history and remaining balance
- Option to set up automatic payments without fees
- Improved customer support and responsiveness
In-app purchases
REPAYit
No in-app purchases
Carpay
No in-app purchases
