# Changed vs CreditU

The clearest difference is review sentiment: CreditU at 96% against Changed's 41%. CreditU also leads on ads (none vs shown) and rating (4.9 vs 4.6). Changed's advantage is in-app purchases (none vs 1) and update cadence (every 5 days vs fortnightly). On price, device support and iOS requirement there is nothing between them.

Both are free to download. CreditU sells 1 in-app purchase, starting at $12.99 per month. Changed asks for nothing beyond the download.

CreditU holds the better App Store score, 4.9 against 4.6. That said, the two scores are not equally well evidenced: Changed has 5.6K ratings behind it against 991, so its average is the more settled of the two. Written reviews point the same way: 41% of Changed's written reviews are positive against 96% of CreditU's.

Changed ships an update every 5 days, CreditU fortnightly. The most recent releases landed on September 26, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | Changed | CreditU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (5.6K ratings)](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383/reviews) | **[4.9 (991 ratings)](https://appshunter.io/ios/app/creditu/id1663259146/reviews)** |
| Number of ratings | **5.6K** | 991 |
| Positive reviews | 41.2% of reviews | **96.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 5 days** | Fortnightly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 162 MB | 255 MB |
| Requires iOS | 17.6 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Changed Inc.](https://appshunter.io/developer/1164559382) | [American Consumer Credit Counseling, Inc](https://appshunter.io/developer/1663259148) |

## What reviewers say

### Changed

[App page](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383)

This app helps you pay off debt faster by automating extra payments from everyday purchases and allowing you to track all your balances in one place. It supports various proven payoff strategies and calculates potential interest savings.

**Highlights:** Automated extra payments, Round up purchases, Track all debt types, Debt Snowball strategy, Debt Avalanche strategy, Interest savings calculator

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Helpful in paying off loans
- 💡 Automatic debt payments
- 👍 Easy to use
- 🤑 Saves money without noticing
- 🎉 Motivating to see progress

**What reviewers complain about**

- 🐛 Connectivity issues with accounts
- 🕰️ Slow payment processing
- 💸 Subscription fees
- 🤖 Poor customer support
- 🔒 Difficulty accessing/withdrawing funds

**Reported bugs**

- App freezing or crashing
- Incorrect loan balance tracking
- Payments not showing up on loan accounts
- Withdrawal/refund issues
- Syncing problems with bank/loan accounts

**Requested features**

- More customization options
- Faster payment processing
- Ability to manage multiple loans
- Mobile app improvements
- Better communication with users


### CreditU

[App page](https://appshunter.io/ios/app/creditu/id1663259146)

This app helps users manage their credit, reduce debt, and optimize their budget with personalized plans. It offers tools for tracking progress, integrating with debt management plans, and ensuring data security.

**Highlights:** Advanced debt analysis, Personalized budget plans, Debt Management Plan integration, Progress monitoring, Credit score tracking, Secure data encryption

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Purchase | $12.99 | per month |

**What reviewers like**

- 🚀 Game changer
- 👍 Outstanding Support
- 👍 Life Savers
- 👍 Great Experience
- 👍 Helping me take my life back

**What reviewers complain about**

- 🐛 Lame
- 🐛 Horrible

**Reported bugs**

- Can't login
- Can't set up app

**Requested features**

- Dark mode option
- Advanced analytics dashboard


## Frequently asked questions

### Is Changed free?

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

### Is CreditU free?

CreditU is free to download, with in-app purchases available.

### Which has better reviews, Changed or CreditU?

CreditU is rated higher. Changed averages 4.6 out of 5 from 5.6K ratings, while CreditU averages 4.9 from 991 ratings.

### Do Changed or CreditU have ads?

Changed shows ads; CreditU does not.

### Which is updated more often, Changed or CreditU?

Changed ships an update every 5 days, and CreditU fortnightly. Most recently, Changed was updated on September 26, 2026 and CreditU on September 22, 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.*