# CFTPay vs Freedom Debt Relief

The clearest difference is review sentiment: Freedom Debt Relief at 74% against CFTPay's 10%. Freedom Debt Relief also leads on rating (4.9 vs 2.3) and ratings volume (23K vs 32). CFTPay's advantage is device support (3 vs 1) and iOS requirement (15.1 vs 18.0). 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.

Freedom Debt Relief holds the better App Store score, 4.9 against 2.3. That said, the two scores are not equally well evidenced: Freedom Debt Relief has 23K ratings behind it against 32, so its average is the more settled of the two. Written reviews point the same way: 10% of CFTPay's written reviews are positive against 74% of Freedom Debt Relief's.

CFTPay ships an update every 6 weeks, Freedom Debt Relief fortnightly. The most recent releases landed on October 29, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | CFTPay | Freedom Debt Relief |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (32 ratings)](https://appshunter.io/ios/app/cftpay/id1452761792/reviews) | **[4.9 (23K ratings)](https://appshunter.io/ios/app/freedom-debt-relief/id6576817794/reviews)** |
| Number of ratings | 32 | **23K** |
| Positive reviews | 10.0% of reviews | **74.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 33 MB | 42 MB |
| Requires iOS | **15.1** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Finxera Inc.](https://appshunter.io/developer/1452761791) | [FreedomDebtRelief LLC](https://appshunter.io/developer/1759433684) |

## What reviewers say

### CFTPay

[App page](https://appshunter.io/ios/app/cftpay/id1452761792)

Manage your special purpose account for debt settlement with ease. Check balances, monitor transactions, view statements, and contact support directly from your mobile device.

**Highlights:** View account balance, Monitor transactions, Check deposit dates, Download account statements, Review profile information, Contact customer support

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

**In-app purchases:** none


### Freedom Debt Relief

[App page](https://appshunter.io/ios/app/freedom-debt-relief/id6576817794)

Manage your debt relief plan efficiently with instant notifications for settlement offers. Track deposits, balances, and savings, and stay updated on active settlements. Access your online dashboard for more resources.

**Highlights:** Instant settlement offer notifications, Review and authorize offers, View upcoming deposits and balances, Track enrolled debts, Monitor settlement progress, See total savings

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

**In-app purchases:** none

**What reviewers like**

- 👍 Stress-free and easy to use
- 👍 Professional and responsible service
- 👍 Excellent customer service
- 👍 Custom debt settlement plan based on income and expenses

**What reviewers complain about**

- 🐛 App does not accurately reflect account information
- 💰 20% service fee, which can be costly

**Reported bugs**

- App not in sync with website, showing inaccurate information
- App dashboard not updating properly

**Requested features**

- Dark mode option
- Improved app-website synchronization


## Frequently asked questions

### Is CFTPay free?

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

### Is Freedom Debt Relief free?

Freedom Debt Relief is free to download, with no in-app purchases.

### Which has better reviews, CFTPay or Freedom Debt Relief?

Freedom Debt Relief is rated higher. CFTPay averages 2.3 out of 5 from 32 ratings, while Freedom Debt Relief averages 4.9 from 23K ratings.

### Do CFTPay or Freedom Debt Relief have ads?

Neither CFTPay nor Freedom Debt Relief shows ads.

### Which is updated more often, CFTPay or Freedom Debt Relief?

CFTPay ships an update every 6 weeks, and Freedom Debt Relief fortnightly. Most recently, CFTPay was updated on October 29, 2026 and Freedom Debt Relief on November 1, 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.*