# Tabby vs PayLater

The clearest difference is rating: Tabby at 4.8 against PayLater's 3.5. Tabby also leads on review sentiment (67% vs 28%) and ratings volume (85K vs 298). 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.

Tabby holds the better App Store score, 4.8 against 3.5. That said, the two scores are not equally well evidenced: Tabby has 85K ratings behind it against 298, so its average is the more settled of the two. Written reviews point the same way: 67% of Tabby's written reviews are positive against 28% of PayLater's.

Tabby ships an update every 5 days, PayLater every 3 weeks. The most recent releases landed on September 27, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | Tabby | PayLater |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (85K ratings)](https://appshunter.io/ios/app/tabby-send-spend-and-save/id1528022364/reviews)** | [3.5 (298 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) |
| Number of ratings | **85K** | 298 |
| Positive reviews | **66.6% of reviews** | 28.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 396 MB | 106 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Tabby FZ LLC](https://appshunter.io/developer/1526643940) | [Pay Later](https://appshunter.io/developer/1754177617) |

## What reviewers say

### Tabby

[App page](https://appshunter.io/ios/app/tabby-send-spend-and-save/id1528022364)

Shop now and pay later with flexible four-month installments. Discover top brands, compare prices, and find nearby stores. Manage payments, track purchases, and get 24/7 customer support.

**Highlights:** Split purchases into 4 monthly payments, Shop from top brands online and in-store, Compare prices and track deals, Find nearby stores accepting Tabby, Manage payments and track purchases, 24/7 customer support via chat

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

**In-app purchases:** none

**What reviewers like**

- 💡 Convenient installment payments
- 👍 Easy to use app
- 🚀 Smooth and efficient service
- 🤑 Helps manage budget and afford purchases

**What reviewers complain about**

- 🐛 Unclear purchasing power and lack of transparency
- 🤷‍♀️ Uninformed and unhelpful customer support
- 🚫 Risk of permanent ban for failed purchases
- 🤬 Inaccurate payment charges and unprofessional customer service
- 🙅‍♀️ Unauthorized notifications and spam

**Reported bugs**

- Repeated purchase rejections without clear reason
- Incorrect payment schedules and charges
- Inability to cancel or refund orders

**Requested features**

- More transparency on purchasing power and policies
- Improved customer support and communication
- Better purchase approval and rejection explanations
- Option to disable marketing notifications
- Expansion to more regions and countries


### PayLater

[App page](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290)

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

**Highlights:** Split payments into 4 installments, Fast and easy onboarding, Secure PCI DSS-compliant transactions, Shop with a network of top retailers, Transparent fees, no hidden charges

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Trusted
- 👍 Great experience

**What reviewers complain about**

- 💡 No Arabic language support
- 💡 Low spending limit
- 🐛 Debit card not supported
- 🐛 OTP not received
- 🐛 Unable to delete app and restart

**Reported bugs**

- Login screen freezes
- Incompatible with older devices

**Requested features**

- Monthly payment reminder
- Higher spending limits


## Frequently asked questions

### Is Tabby free?

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

### Is PayLater free?

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

### Which has better reviews, Tabby or PayLater?

Tabby is rated higher. Tabby averages 4.8 out of 5 from 85K ratings, while PayLater averages 3.5 from 298 ratings.

### Do Tabby or PayLater have ads?

Neither Tabby nor PayLater shows ads.

### Which is updated more often, Tabby or PayLater?

Tabby ships an update every 5 days, and PayLater every 3 weeks. Most recently, Tabby was updated on September 27, 2026 and PayLater on September 26, 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.*