# Security Finance℠ vs Carpay

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.

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 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.

Security Finance℠ ships an update every 4 months, Carpay every 5 weeks. The most recent releases landed on October 15, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Security Finance℠ | Carpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (209 ratings)](https://appshunter.io/ios/app/security-finance/id1135450123/reviews) | **[4.8 (4.9K ratings)](https://appshunter.io/ios/app/carpay/id1440081995/reviews)** |
| Number of ratings | 209 | **4.9K** |
| Positive reviews | 38.1% of reviews | **45.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 92 MB | 33 MB |
| Requires iOS | **12.2** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Security Finance Corporation of Spartanburg](https://appshunter.io/developer/1135450122) | [CarPay, Inc.](https://appshunter.io/developer/1440081994) |

## What reviewers say

### Security Finance℠

[App page](https://appshunter.io/ios/app/security-finance/id1135450123)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- 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


### 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 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 15, 2026 and Carpay on October 17, 2026.

---

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