# Auto Use Auto Loan vs Carpay

The clearest difference is review sentiment: Carpay at 46% against Auto Use Auto Loan's 0%. Carpay also leads on rating (4.8 vs 2.7) and update cadence (every 5 weeks vs every 18 months). 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 2.7. That said, the two scores are not equally well evidenced: Carpay has 4.9K ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 0% of Auto Use Auto Loan's written reviews are positive against 46% of Carpay's.

Auto Use Auto Loan ships an update every 18 months, Carpay every 5 weeks. The most recent releases landed on October 11, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Auto Use Auto Loan | Carpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (7 ratings)](https://appshunter.io/ios/app/auto-use-auto-loan/id1362408682/reviews) | **[4.8 (4.9K ratings)](https://appshunter.io/ios/app/carpay/id1440081995/reviews)** |
| Number of ratings | 7 | **4.9K** |
| Positive reviews | 0.0% of reviews | **45.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 18 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 45 MB | 33 MB |
| Requires iOS | 17.6 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Lease and Rental Management Corp](https://appshunter.io/developer/1362408681) | [CarPay, Inc.](https://appshunter.io/developer/1440081994) |

## What reviewers say

### Auto Use Auto Loan

[App page](https://appshunter.io/ios/app/auto-use-auto-loan/id1362408682)

Manage your auto loan payments conveniently and in real-time. View your payment history and communicate directly with your provider through a fast and easy interface.

**Highlights:** Real-time payment scheduling, View payment history, Direct chat with provider, Fast and easy interface

**Features:** macOS Compatibility

**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 Auto Use Auto Loan free?

Auto Use Auto Loan 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, Auto Use Auto Loan or Carpay?

Carpay is rated higher. Auto Use Auto Loan averages 2.7 out of 5 from 7 ratings, while Carpay averages 4.8 from 4.9K ratings.

### Do Auto Use Auto Loan or Carpay have ads?

Neither Auto Use Auto Loan nor Carpay shows ads.

### Which is updated more often, Auto Use Auto Loan or Carpay?

Auto Use Auto Loan ships an update every 18 months, and Carpay every 5 weeks. Most recently, Auto Use Auto Loan was updated on October 11, 2026 and Carpay on October 19, 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.*