# REPAYit vs Carpay

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.

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.

## The numbers

| Metric | REPAYit | Carpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.4 (29 ratings)](https://appshunter.io/ios/app/repayit/id1043025494/reviews) | **[4.8 (4.9K ratings)](https://appshunter.io/ios/app/carpay/id1440081995/reviews)** |
| Number of ratings | 29 | **4.9K** |
| Positive reviews | 10.0% of reviews | **45.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 73 MB | 33 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [REPAY - Realtime Electronic Payments](https://appshunter.io/developer/1043025493) | [CarPay, Inc.](https://appshunter.io/developer/1440081994) |

## What reviewers say

### REPAYit

[App page](https://appshunter.io/ios/app/repayit/id1043025494)

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.

**Highlights:** View bills on device, Make payments with card, Make payments with ACH, Enter merchant code, Secure transaction management

**Features:** macOS Compatibility

**In-app purchases:** none


### Carpay

[App page](https://appshunter.io/ios/app/carpay/id1440081995)

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.

**Highlights:** Make loan payments, Print receipts, Check account balances, Schedule autopay, Enable notifications

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 💰 Excessive and unexpected fees
- 🔒 Security issues with login and payment processing
- 🐛 Buggy and unreliable app functionality

**Reported bugs**

- Login credentials being deleted after app updates
- Inability to make payments through the app
- App failing to load user information

**Requested features**

- Ability to view payment history and remaining balance
- Option to set up automatic payments without fees
- Improved customer support and responsiveness


## Frequently asked questions

### Is REPAYit free?

REPAYit is free to download, with no in-app purchases.

### Is Carpay free?

Carpay is free to download, with no in-app purchases.

### Which has better reviews, REPAYit or Carpay?

Carpay is rated higher. REPAYit averages 2.4 out of 5 from 29 ratings, while Carpay averages 4.8 from 4.9K ratings.

### Do REPAYit or Carpay have ads?

Neither REPAYit nor Carpay shows ads.

### Which is updated more often, REPAYit or Carpay?

REPAYit ships an update monthly, and Carpay every 5 weeks. Most recently, REPAYit was updated on September 20, 2026 and Carpay on September 20, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*