Comparison

Security Finance℠ vs Carpay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Security Finance℠

Manage your installment loans on the go. Make secure payments, track due dates, and access financial education tools. Stay informed with notification reminders and easily connect with your local branch.

Highlights
  • Secure payments
  • Payment reminders
  • Check due dates
  • Verify loan balance
  • View loan documents
  • Find local branches
  • Renew loan by phone
Read full description

Managing your Security Finance account has never been easier with the Security Finance℠ Mobile App, which offers a range of features designed to help you stay on top of things while on the go. With our app, you can easily make secure payments, check your next due date, contact your local branch, explore financial education tools, easily sign up and change a password, and more. Moreover, you can enable notification reminders, so you never miss a payment. The Security Finance℠ Mobile App provides the following features: • Make secure payments without convenience fees • Receive notification reminders • Check your payment amount and next due date • Verify your loan balance • View your last payment and amount • View loan documents • Upload verification documents • Improved sign-up, log-in, and user id/password change experience • Find a nearby branch • Renew your loan by phone • Contact your local branch easily • Schedule your Tax appointment At Security Finance, we are committed to providing fast financial solutions that cater to your busy schedule. For over 65 years, we have proudly served our community with easy and safe installment loans, and now we are bringing you even more convenience with our mobile app. With our conveniently located branches, you can receive personal service from people you know and trust. And now, with the app, you can easily manage your account and make fast, secure payments, right at your fingertips. If you are not currently a customer with Security Finance, you can still access the app as a guest to explore branch locations and contact information. However, to enjoy the app's full functionality, you must open a loan account. Security Finance is licensed to offer traditional installment loans, which vary in amounts, terms, and available ancillary products based on the states of operation. Any account activity processed on a given day will not be reflected until the next business day. All Rights Reserved 2023 You can find our Privacy Policy, Privacy Notice, and Security Finance℠ Mobile App Terms of Use on our website at www.securityfinance.com Security Finance is affiliated with the following Brands: Bond Finance, Continental Credit, Continental Loans, Maverick Finance, and Sunbelt Credit Security Finance of Georgia, LLC – NMLS #2029421

About

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.

Highlights
  • Make loan payments
  • Print receipts
  • Check account balances
  • Schedule autopay
  • Enable notifications
Read full description

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

Security Finance℠4 screens
Carpay4 screens

Verdict

The call

The clearest difference is rating: Carpay at 4.8 against Security Finance℠'s 3.5. Carpay also leads on update cadence (every 5 weeks vs every 4 months) and ratings volume (4.9K vs 209). Security Finance℠'s advantage is iOS requirement (12.2 vs 15.1). On price, review sentiment, 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Carpay holds the better App Store score, 4.8 against 3.5. That said, the two scores are not equally well evidenced: Carpay has 4.9K ratings behind it against 209, so its average is the more settled of the two. Written reviews point the same way: 38% of Security Finance℠'s written reviews are positive against 46% of Carpay's.

UpkeepUpdate frequency

Security Finance℠ ships an update every 4 months, Carpay every 5 weeks. The most recent releases landed on October 5, 2026 and October 17, 2026 respectively.

Scorecard4 real differences · 6 level
Security Finance℠ versus Carpay: the parameters behind the verdict, then further details
ParameterSecurity Finance℠Carpay
PriceFreeFree
Rating3.5 (209 ratings)4.8 (4.9K ratings) — better
Positive reviews38.1% of reviews45.7% of reviews — better
Number of ratings2094.9K — better
Update frequencyEvery 4 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.2 — better15.1
Further details — not scored
Size92 MB33 MB
Age rating4+4+
DeveloperSecurity Finance Corporation of SpartanburgCarPay, Inc.

Customer experience

Security Finance℠

All ratings209 ratings
Positive60.8%
Neutral6.7%
Negative32.5%
Written reviews63 reviews
Positive38.1%
Neutral4.8%
Negative57.1%

Carpay

All ratings4,861 ratings
Positive93.7%
Neutral2.4%
Negative3.9%
Written reviews35 reviews
Positive45.7%
Neutral2.9%
Negative51.4%

User reviews

Security Finance℠

From 209 App Store ratings

What we love

  • 👍 Easy and quick loan process
  • 👍 Respectful and helpful workers
  • 👍 Good customer service
  • 👍 Friendly staff
  • 👍 Great place and people

Room to improve

  • 👎 Scammy company
  • 👎 High interest rates
  • 👎 App doesn't work
  • 👎 Difficult to log in
  • 👎 Cannot access account

Carpay

From 4.9K App Store ratings

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

Bugs and requests

Security Finance℠

Reported bugs

18 issues
  • App doesn't send email for verification
  • App has trouble opening
  • Cannot access account
  • App doesn't work half the time
  • Huge hassle logging in
Show 13 more
  • App will load but says unable to log in
  • Cannot log in
  • Password reset link not received
  • App closes right away
  • Unable to log in after changing password
  • Cannot get into the app
  • Cannot log in to the website
  • New login system issues
  • App crashes
  • Login screen freezes
  • Email for password reset not received
  • App not accepting password
  • App not accepting email for registration

Requested features

7 requests
  • Ability to make split payments
  • Allow payment with credit cards
  • Fix the login system
  • Allow multiple users to log in from the same device
  • Make the app user-friendly
Show 2 more
  • Allow making payments in the app
  • Allow two loans in one app

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

None

Security Finance℠

No in-app purchases

None

Carpay

No in-app purchases

Questions

Is Security Finance℠ free?
Security Finance℠ 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, Security Finance℠ or Carpay?
Carpay is rated higher. Security Finance℠ averages 3.5 out of 5 from 209 ratings, while Carpay averages 4.8 from 4.9K ratings.
Do Security Finance℠ or Carpay have ads?
Neither Security Finance℠ nor Carpay shows ads.
Which is updated more often, Security Finance℠ or Carpay?
Security Finance℠ ships an update every 4 months, and Carpay every 5 weeks. Most recently, Security Finance℠ was updated on October 5, 2026 and Carpay on October 17, 2026.

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