# Keepfully vs PaySurge

The clearest difference is rating: Keepfully at 3.9 against PaySurge's 3.2. Keepfully also leads on device support (4 vs 2). PaySurge's advantage is in-app purchases (none vs 1) and update cadence (every 3 weeks vs every 3 months). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. Keepfully sells 1 one-off in-app purchase. PaySurge asks for nothing beyond the download.

Keepfully holds the better App Store score, 3.9 against 3.2. Both are backed by a comparable volume of ratings — 30 and 17 respectively. Written reviews point the same way: 50% of Keepfully's written reviews are positive against 44% of PaySurge's.

Keepfully ships an update every 3 months, PaySurge every 3 weeks. The most recent releases landed on September 24, 2026 and June 1, 2026 respectively.

## The numbers

| Metric | Keepfully | PaySurge |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (30 ratings)](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959/reviews)** | [3.2 (17 ratings)](https://appshunter.io/ios/app/paysurge/id6451176163/reviews) |
| Number of ratings | **30** | 17 |
| Positive reviews | **50.0% of reviews** | 44.4% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Freemium | **Free** |
| Size | 15 MB | 44 MB |
| Requires iOS | 18.4 | **15.6** |
| Devices | **iPhone, iPad, Apple Watch, Vision Pro** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Alexander Kaessner](https://appshunter.io/developer/1273375958) | [Fuzie, LLC](https://appshunter.io/developer/982760991) |

## What reviewers say

### Keepfully

[App page](https://appshunter.io/ios/app/keepfully-loan-tracker/id1273375959)

Easily track money and items you lend or borrow. Get a clear overview of personal loans, receive automatic reminders, and organize everything with iCloud Sync and Siri support.

**Highlights:** Track money and objects lent/borrowed, Organize by person with overview, Automatic loan reminders, Archive of returned loans, iCloud Sync and Siri support, Widgets and Shortcuts integration

**Features:** macOS Compatibility, Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Keepfully Pro | $2.99 | one-time |


### PaySurge

[App page](https://appshunter.io/ios/app/paysurge/id6451176163)

Access your earned wages before your next payday. Avoid late fees, overdrafts, and missed financial opportunities. Get your money when you need it most.

**Highlights:** Access earned wages early, Avoid late payment fees, Prevent overdraft charges, Seize missed opportunities, Get money when needed

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Keepfully free?

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

### Is PaySurge free?

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

### Which has better reviews, Keepfully or PaySurge?

Keepfully is rated higher. Keepfully averages 3.9 out of 5 from 30 ratings, while PaySurge averages 3.2 from 17 ratings.

### Do Keepfully or PaySurge have ads?

Neither Keepfully nor PaySurge shows ads.

### Which is updated more often, Keepfully or PaySurge?

Keepfully ships an update every 3 months, and PaySurge every 3 weeks. Most recently, Keepfully was updated on September 24, 2026 and PaySurge on June 1, 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.*