# PFSAUTO® vs Carpay

The clearest difference is rating: Carpay at 4.8 against PFSAUTO®'s 2.5. Carpay also leads on review sentiment (46% vs 15%) and ratings volume (4.9K vs 19). PFSAUTO®'s advantage is iOS requirement (10.0 vs 15.1). On price, ads, in-app purchases and monetization model 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 2.5. That said, the two scores are not equally well evidenced: Carpay has 4.9K ratings behind it against 19, so its average is the more settled of the two. Written reviews point the same way: 15% of PFSAUTO®'s written reviews are positive against 46% of Carpay's.

PFSAUTO® ships an update every 5 months, Carpay every 5 weeks. The most recent releases landed on October 2, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | PFSAUTO® | Carpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (19 ratings)](https://appshunter.io/ios/app/pfsauto/id1336009526/reviews) | **[4.8 (4.9K ratings)](https://appshunter.io/ios/app/carpay/id1440081995/reviews)** |
| Number of ratings | 19 | **4.9K** |
| Positive reviews | 15.0% of reviews | **45.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 67 MB | 33 MB |
| Requires iOS | **10.0** | 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

### PFSAUTO®

[App page](https://appshunter.io/ios/app/pfsauto/id1336009526)

Manage your auto loan accounts with ease. Make secure payments, track due dates, and find branch information. Receive timely reminders to avoid late payments.

**Highlights:** Make secure payments, Check payment due dates, Verify loan balance, Receive notification reminders, Find branch locations, Contact local branches

**In-app purchases:** none


### 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 PFSAUTO® free?

PFSAUTO® 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, PFSAUTO® or Carpay?

Carpay is rated higher. PFSAUTO® averages 2.5 out of 5 from 19 ratings, while Carpay averages 4.8 from 4.9K ratings.

### Do PFSAUTO® or Carpay have ads?

Neither PFSAUTO® nor Carpay shows ads.

### Which is updated more often, PFSAUTO® or Carpay?

PFSAUTO® ships an update every 5 months, and Carpay every 5 weeks. Most recently, PFSAUTO® was updated on October 2, 2026 and Carpay on October 10, 2026.

---

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