# Carpay vs Settld.

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.

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.

## The numbers

| Metric | Carpay | Settld. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (4.9K ratings)](https://appshunter.io/ios/app/carpay/id1440081995/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/settld/id6762236160/reviews)** |
| Number of ratings | **4.9K** | 1 |
| Positive reviews | 45.7% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 33 MB | 53 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CarPay, Inc.](https://appshunter.io/developer/1440081994) | [CulinAI, LLC](https://appshunter.io/developer/1890934992) |

## 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


### Settld.

[App page](https://appshunter.io/ios/app/settld/id6762236160)

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.

**Highlights:** 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

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

**In-app purchases:** none


## Frequently asked questions

### Is Carpay free?

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

### Is Settld. free?

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

### Which has better reviews, Carpay or Settld.?

Settld. is rated higher. Carpay averages 4.8 out of 5 from 4.9K ratings, while Settld. averages 5.0 from 1 ratings.

### Do Carpay or Settld. have ads?

Neither Carpay nor Settld. shows ads.

### Which is updated more often, Carpay or Settld.?

Carpay ships an update every 5 weeks, and Settld. every 9 days. Most recently, Carpay was updated on October 10, 2026 and Settld. on September 21, 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.*