# Citizens Pay vs PayLater

The clearest difference is rating: Citizens Pay at 4.9 against PayLater's 3.5. Citizens Pay also leads on ratings volume (15K vs 304) and review sentiment (42% vs 28%). PayLater's advantage is update cadence (every 3 weeks vs every 6 weeks). 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.

Citizens Pay holds the better App Store score, 4.9 against 3.5. That said, the two scores are not equally well evidenced: Citizens Pay has 15K ratings behind it against 304, so its average is the more settled of the two. Written reviews point the same way: 42% of Citizens Pay's written reviews are positive against 28% of PayLater's.

Citizens Pay ships an update every 6 weeks, PayLater every 3 weeks. The most recent releases landed on October 18, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Citizens Pay | PayLater |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (15K ratings)](https://appshunter.io/ios/app/citizens-pay/id1641778457/reviews)** | [3.5 (304 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) |
| Number of ratings | **15K** | 304 |
| Positive reviews | **41.7% of reviews** | 28.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 79 MB | 106 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Citizens Bank, N.A.](https://appshunter.io/developer/388082491) | [Pay Later](https://appshunter.io/developer/1754177617) |

## What reviewers say

### Citizens Pay

[App page](https://appshunter.io/ios/app/citizens-pay/id1641778457)

Manage your Citizens Pay accounts securely and conveniently from your mobile device. Access statements, schedule payments, and set up automatic payments. Stay informed about your account balance and transaction history.

**Highlights:** 24/7 secure account access, Paperless PDF statements, Schedule one-time payments, Set up Auto Pay, View account balance, Track transaction history

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💳 Easy and convenient payment
- 🕰️ Able to pay early or set up auto-pay
- 👍 Seamless application process
- 🙏 Understanding and patient with customers

**What reviewers complain about**

- 🐛 App freezes or crashes frequently
- 🔑 Login issues, unable to log in
- 🤖 Widget doesn't work in dark mode
- 🔒 Unethical practices to charge fees

**Reported bugs**

- Login screen freezes or shows errors
- App not compatible with latest iOS versions
- Blank screens and server errors
- Can't make more than minimum payment with auto-pay

**Requested features**

- Add Face ID or biometric login
- Allow pasting passwords
- Show payment details after making a payment
- Improve app stability and performance


### 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 Citizens Pay free?

Citizens Pay 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, Citizens Pay or PayLater?

Citizens Pay is rated higher. Citizens Pay averages 4.9 out of 5 from 15K ratings, while PayLater averages 3.5 from 304 ratings.

### Do Citizens Pay or PayLater have ads?

Neither Citizens Pay nor PayLater shows ads.

### Which is updated more often, Citizens Pay or PayLater?

Citizens Pay ships an update every 6 weeks, and PayLater every 3 weeks. Most recently, Citizens Pay was updated on October 18, 2026 and PayLater on October 17, 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.*