Carpay vs Settld.
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Carpay
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.
- Make loan payments
- Print receipts
- Check account balances
- Schedule autopay
- Enable notifications
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Manage your car loan through Carpay's mobile app. Make payments, print receipts, check balances, schedule autopay, and enable notifications so you never miss anything!
Settld.
Effortlessly divide expenses for any group activity, from dinners to rent. Track who owes what in real-time and send quick payment requests to settle up fast. Avoid awkward group chats and spreadsheets with a simple, stress-free design.
- Split receipts and bills
- Assign items to specific people
- Track balances in real-time
- Send payment requests
- Mark cash payments
- Clean dashboard for active bills
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Settld makes splitting bills effortless. Whether it’s dinner, rent, trips, bars, groceries, or group events, Settld helps you divide expenses fairly and get paid back fast. FEATURES • Split receipts and bills in seconds • Assign items to specific people • Track balances in real time • Send payment requests instantly • Mark cash payments manually • Clean dashboard for active bills • Know exactly who owes what • Fast, simple, stress-free design PERFECT FOR • Restaurants • Roommates • Vacations • Group dinners • Bars and nightlife • Shared purchases • Everyday friend groups NO MORE AWKWARD GROUP CHATS No spreadsheets. No Venmo confusion. No chasing people for money. Just split it. Track it. Get Settld.
Screenshots
Verdict
The clearest difference is ratings volume: Carpay at 4.9K against Settld.'s 1. Settld.'s advantage is update cadence (every 9 days vs every 5 weeks) and rating (5.0 vs 4.8). On price, review sentiment, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Settld. holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Carpay has 4.9K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 46% of Carpay's written reviews are positive against 50% of Settld.'s.
Carpay ships an update every 5 weeks, Settld. every 9 days. The most recent releases landed on October 10, 2026 and September 21, 2026 respectively.
| Parameter | Carpay | Settld. |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (4.9K ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 45.7% of reviews | 50.0% of reviews — better |
| Number of ratings | 4.9K — better | 1 |
| Update frequency | Every 5 weeks | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 33 MB | 53 MB |
| Age rating | 4+ | 4+ |
| Developer | CarPay, Inc. | CulinAI, LLC |
Customer experience
Carpay
Settld.
Bugs and requests
Carpay
Reported bugs
3 issues- Login credentials being deleted after app updates
- Inability to make payments through the app
- App failing to load user information
Requested features
3 requests- Ability to view payment history and remaining balance
- Option to set up automatic payments without fees
- Improved customer support and responsiveness
Settld.
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Carpay
No in-app purchases
Settld.
No in-app purchases
