# American Credit vs Split Pay

The clearest difference is review sentiment: Split Pay at 72% against American Credit's 0%. Split Pay also leads on rating (4.9 vs 3.0) and update cadence (fortnightly vs every 3 months). American Credit's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 16.6). 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.

Split Pay holds the better App Store score, 4.9 against 3.0. That said, the two scores are not equally well evidenced: Split Pay has 21K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 0% of American Credit's written reviews are positive against 72% of Split Pay's.

American Credit ships an update every 3 months, Split Pay fortnightly. The most recent releases landed on November 3, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | American Credit | Split Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/american-credit/id1489544972/reviews) | **[4.9 (21K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** |
| Number of ratings | 2 | **21K** |
| Positive reviews | 0.0% of reviews | **72.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Fortnightly** |
| Monetization | Free | Free |
| Best chart rank | — | **#65** |
| Size | 17 MB | 66 MB |
| Requires iOS | **13.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [American Credit, Inc](https://appshunter.io/developer/1387751438) | [Visible Ideas](https://appshunter.io/developer/1685211689) |

## What reviewers say

### American Credit

[App page](https://appshunter.io/ios/app/american-credit/id1489544972)

This app provides business loans for small and medium enterprises, focusing on equipment financing, invoice financing, and working capital. It offers loan sizes from $20K to $5M with terms up to 8 years, and a fast application and funding process.

**Highlights:** Asset-based business loans, Equipment financing, Invoice financing, Working capital loans, Loan sizes $20K - $5M, Fast application and funding

**Features:** macOS Compatibility

**In-app purchases:** none


### Split Pay

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

**Currently charting:** #65 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 American Credit free?

American Credit 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, American Credit or Split Pay?

Split Pay is rated higher. American Credit averages 3.0 out of 5 from 2 ratings, while Split Pay averages 4.9 from 21K ratings.

### Do American Credit or Split Pay have ads?

Neither American Credit nor Split Pay shows ads.

### Which is updated more often, American Credit or Split Pay?

American Credit ships an update every 3 months, and Split Pay fortnightly. Most recently, American Credit was updated on November 3, 2026 and Split Pay on November 6, 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.*