Comparison

Cenlar Mobile™ vs PayUp Splits

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Cenlar Mobile™

Manage your home loan conveniently and securely from your mobile device. Make payments, check balances, view statements, and sign up for automatic payments. Utilize calculators to explore interest savings and faster payoff options.

Highlights
  • Make mortgage payments
  • Check account balance
  • View statements
  • Sign up for automatic payments
  • Mortgage payoff calculators
  • View escrow details
Read full description

Cenlar Mobile™ Manage your mortgage on the go. Description and benefits: Cenlar Mobile™ , a convenient and secure way to manage your home loan right from your phone. Easily make a payment, check account balance, see when taxes were paid, view a statement or sign up for automatic payments. The new app has functionality similar to the website. Use our calculators to determine how to save interest and pay off your mortgage sooner. What you can do on Cenlar Mobile™ : • Stay current on your mortgage details and outstanding balance • Make a payment and view payment status • Enroll in AutoPay and view scheduled payments on your mortgage • Calculate changes to PMI based on projected changes to your loan • View details on escrow, taxes and insurance • Calculate the impact of making additional payments on interest cost savings and earlier loan pay off • View the Learning Center to see frequently asked topics and questions How to access: • Complete the secure registration on Cenlar Mobile™ if you have not previously registered on our app or website • Use thumbprint or facial recognition for subsequent login We are listening and will continue to make improvements. Here’s What’s New – o Redesigned and more intuitive user experience o Enhancements to the Payment History screen to display reversed payments o Enhanced messaging for when the app is down for maintenance o Ability to display full loan number o Ability to submit a secure message with one attachment (PDF, PNG, JPEG) Please note you will need [iOS version 13.0] or greater.

About

PayUp Splits

Features
Read full description

PayUp helps friends split shared expenses without the awkward math. Scan a receipt, review the extracted items, choose who participated, and split the bill the way your group actually needs: equally, unequally, by shares, or by item. PayUp tracks who paid, who owes what, and which settlements have been recorded. Features: • Scan receipts and turn them into itemized splits • Split bills equally, unequally, by shares, or by item • Add friends and manage shared expense records • Track balances across dinners, trips, groceries, and group expenses • Record settlements when someone pays another person back • View activity for new splits, edits, invitations, and settlements • Use multiple currencies including USD, EUR, GBP, CAD, AUD, INR, and JPY PayUp is an informal shared ledger for expenses and settlements. It does not move money, process payments, provide banking services, or act as a payment processor.

Screenshots

Cenlar Mobile™4 screens
PayUp Splits4 screens

Verdict

The call

The clearest difference is update cadence: PayUp Splits at every 6 weeks against Cenlar Mobile™'s every 3 months. Cenlar Mobile™'s advantage is iOS requirement (17.0 vs 26.2). On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Cenlar Mobile™ ships an update every 3 months, PayUp Splits every 6 weeks. The most recent releases landed on October 24, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 8 level
Cenlar Mobile™ versus PayUp Splits: the parameters behind the verdict, then further details
ParameterCenlar Mobile™PayUp Splits
PriceFreeFree
Rating4.8 (18K ratings) — better—
Positive reviews46.4% of reviews—
Number of ratings18K — better—
Update frequencyEvery 3 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone
Requires iOS17.0 — better26.2
Further details — not scored
Size107 MB35 MB
Age rating4+4+
DeveloperCenlarRudra Das

Bugs and requests

Cenlar Mobile™

Reported bugs

5 issues
  • App not working on iPad
  • Notifications not functioning properly
  • Inability to contact customer service
  • Inconsistent app behavior and errors
  • Syncing issues with online account

Requested features

5 requests
  • Ability to upload photos from mobile device
  • Improved navigation and information accessibility
  • Better integration with budgeting/money management apps
  • Faster payment processing and confirmation
  • More frequent escrow analysis updates

PayUp Splits

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Cenlar Mobile™

No in-app purchases

None

PayUp Splits

No in-app purchases

Questions

Is Cenlar Mobile™ free?
Cenlar Mobile™ is free to download, with no in-app purchases.
Is PayUp Splits free?
PayUp Splits is free to download, with no in-app purchases.
Do Cenlar Mobile™ or PayUp Splits have ads?
Neither Cenlar Mobile™ nor PayUp Splits shows ads.
Which is updated more often, Cenlar Mobile™ or PayUp Splits?
Cenlar Mobile™ ships an update every 3 months, and PayUp Splits every 6 weeks. Most recently, Cenlar Mobile™ was updated on October 24, 2026 and PayUp Splits on October 10, 2026.

Other comparisons