# Americor vs Rateo

The clearest difference is in-app purchases: Americor at none against Rateo's 2. Rateo's advantage is update cadence (every 4 days vs every 4 weeks) and iOS requirement (15.0 vs 17.0). On price, ads and device support there is nothing between them.

Both are free to download. Rateo sells 2 in-app purchases, starting at $19.99 per year. Americor asks for nothing beyond the download.

Americor ships an update every 4 weeks, Rateo every 4 days. The most recent releases landed on October 29, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Americor | Rateo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (1.3K ratings)](https://appshunter.io/ios/app/americor/id1399559299/reviews)** | — |
| Number of ratings | **1.3K** | — |
| Positive reviews | 21.2% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 4 days** |
| Monetization | Free | — |
| Size | 239 MB | 30 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Americor Funding, Inc](https://appshunter.io/developer/1399559298) | [Fabrizio Marinelli](https://appshunter.io/developer/6809891709) |

## What reviewers say

### Americor

[App page](https://appshunter.io/ios/app/americor/id1399559299)

Manage your finances and track debt settlement progress with this app. Easily view upcoming payments, upload documents, and receive account notifications. Designed to help consumers restructure debt and find lower-cost consolidation loans.

**Highlights:** View upcoming payments and history, Upload documents, Track settlement progress, View settlement offers, Receive account notifications

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🙌 Changed my life
- 💰 Saved money
- 👍 Great company

**What reviewers complain about**

- 💸 Expensive fees
- 🤯 Stressful experience
- 🚨 Untrustworthy
- 🤬 Poor customer service

**Reported bugs**

- App crashes and freezes
- Login issues
- Compatibility problems with iOS 18.1

**Requested features**

- Provide clear fee information upfront
- Improve communication and transparency
- Offer better debt settlement options


### Rateo

[App page](https://appshunter.io/ios/app/rateo-bnpl-tracker/id6809891707)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Rateo PRO Annual | $19.99 | per year |
| Rateo PRO Lifetime | $49.99 | one-time |


## Frequently asked questions

### Is Americor free?

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

### Is Rateo free?

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

### Do Americor or Rateo have ads?

Neither Americor nor Rateo shows ads.

### Which is updated more often, Americor or Rateo?

Americor ships an update every 4 weeks, and Rateo every 4 days. Most recently, Americor was updated on October 29, 2026 and Rateo on October 26, 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.*