# Carpay vs Split Pay

Carpay and Split Pay both sit at 4.8 stars, but that hides the real split: 72% of Split Pay's written reviews are positive against 46% of Carpay's. Split Pay also leads on chart position (#94 vs unranked) and update cadence (every 2 weeks vs every 5 weeks). Carpay's advantage is device support (3 vs 1). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for Carpay against 4.9 for Split Pay. Both are backed by a comparable volume of ratings — 4.9K and 20K respectively. Written reviews are what separate them: 46% of Carpay's written reviews are positive against 72% of Split Pay's.

Carpay ships an update every 5 weeks, Split Pay every 2 weeks. The most recent releases landed on October 10, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Carpay | Split Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (4.9K ratings)](https://appshunter.io/ios/app/carpay/id1440081995/reviews) | **[4.9 (20K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** |
| Number of ratings | 4.9K | **20K** |
| Positive reviews | 45.7% of reviews | **71.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Best chart rank | — | **#94** |
| Size | 33 MB | 65 MB |
| Requires iOS | **15.1** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [CarPay, Inc.](https://appshunter.io/developer/1440081994) | [Visible Ideas](https://appshunter.io/developer/1685211689) |

## What reviewers say

### 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


### Split Pay

[App page](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850)

**Currently charting:** #94 Top Free · Finance (US App Store)

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

**Highlights:** Split rent into two payments, Build credit history, Improve budgeting, Works with all payment systems, Autopay functionality, Free credit reporting option

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Great service with team members that go above and beyond
- 👍 Easy to use and intuitive
- 💡 Helpful split pay feature
- 🚀 Smooth and seamless process
- 👍 Convenient for budgeting and managing rent payments

**What reviewers complain about**

- 🐛 Delayed rent payments to landlord
- 🐛 Accounts suspended with no explanation
- 🐛 Difficult to get approved for split pay
- 🐛 App crashes and freezes
- 🐛 Lack of integration with property management portals

**Reported bugs**

- Login screen freezes
- Incompatibility with certain bank accounts
- Payments not showing up in app after being processed

**Requested features**

- Ability to change payment dates after initial setup
- Option to adjust second split pay date within 30-day period
- Integration with property management payment portals
- Clearer communication on approval process and reasons for account suspension


## Frequently asked questions

### Is Carpay free?

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

### Is Split Pay free?

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

### Which has better reviews, Carpay or Split Pay?

Split Pay is rated higher. Carpay averages 4.8 out of 5 from 4.9K ratings, while Split Pay averages 4.9 from 20K ratings.

### Do Carpay or Split Pay have ads?

Neither Carpay nor Split Pay shows ads.

### Which is updated more often, Carpay or Split Pay?

Carpay ships an update every 5 weeks, and Split Pay every 2 weeks. Most recently, Carpay was updated on October 10, 2026 and Split Pay on October 15, 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.*