# Delay It vs Grow Credit

The clearest difference is review sentiment: Delay It at 100% against Grow Credit's 48%. Delay It also leads on monetization model (free vs free with in-app purchases) and rating (5.0 vs 4.8). Grow Credit's advantage is update cadence (fortnightly vs every 12 months) and ratings volume (10K vs 7). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Delay It holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Grow Credit has 10K ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 100% of Delay It's written reviews are positive against 48% of Grow Credit's.

Delay It ships an update every 12 months, Grow Credit fortnightly. The most recent releases landed on October 2, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | Delay It | Grow Credit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (7 ratings)](https://appshunter.io/ios/app/delay-it/id1048859367/reviews)** | [4.8 (10K ratings)](https://appshunter.io/ios/app/grow-credit/id1482246872/reviews) |
| Number of ratings | 7 | **10K** |
| Positive reviews | **100.0% of reviews** | 47.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 12 months | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 5 MB | 84 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Animated Bit LLC](https://appshunter.io/developer/1048859366) | [Grow Credit](https://appshunter.io/developer/1482246516) |

## What reviewers say

### Delay It

[App page](https://appshunter.io/ios/app/delay-it/id1048859367)

This app helps you compare the cost of borrowing money with the potential returns of investing. It calculates loan payments and then shows how much interest you could earn by investing that same amount.

**Highlights:** Loan payment calculation, Investment earning simulation, Interest cost comparison, Financial planning tool

**Features:** macOS Compatibility

**In-app purchases:** none


### Grow Credit

[App page](https://appshunter.io/ios/app/grow-credit/id1482246872)

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

**Highlights:** Build credit using subscriptions, No prior credit history required, Reports to all three credit bureaus, Free FICO score access, Credit education resources, Grow MasterCard

**In-app purchases:** none

**What reviewers like**

- 👍 Helpful for building credit
- 🚀 Easy to set up and use
- 💡 Convenient way to pay subscriptions
- 🚀 Quick credit score improvements
- 👍 Good customer service

**What reviewers complain about**

- 🐛 Inconsistent payment processing
- 🔒 Difficulty changing payment methods
- 🐛 Inaccurate credit reporting
- 🔒 Lack of transparency
- 🐛 Buggy app experience

**Reported bugs**

- Late payment reporting despite on-time payments
- Difficulty closing accounts
- Payments not processing correctly

**Requested features**

- Increase credit limits
- Allow payment of more subscription types
- Provide phone support
- Improve app stability and user experience


## Frequently asked questions

### Is Delay It free?

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

### Is Grow Credit free?

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

### Which has better reviews, Delay It or Grow Credit?

Delay It is rated higher. Delay It averages 5.0 out of 5 from 7 ratings, while Grow Credit averages 4.8 from 10K ratings.

### Do Delay It or Grow Credit have ads?

Neither Delay It nor Grow Credit shows ads.

### Which is updated more often, Delay It or Grow Credit?

Delay It ships an update every 12 months, and Grow Credit fortnightly. Most recently, Delay It was updated on October 2, 2026 and Grow Credit on October 21, 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.*