TS CUBIC アプリ vs Paidy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
TS CUBIC アプリ
This official finance app provides a clear overview of monthly billing amounts and total accumulated points. It consolidates billing information for credit cards and auto loans, and allows for easy campaign registration. Receive timely updates on deals and important announcements.
- View monthly billing and total points
- Consolidated billing for credit cards and auto loans
- Easy campaign registration
- Receive deal and announcement notifications
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TS CUBIC アプリはトヨタファイナンス株式会社の公式アプリです。 ■■■主な機能■■■ 1. 月々のご請求金額・総保有ポイントがひと目でわかる! 新しいアプリではよりわかりやすく確認できるようになりました 2. クレジットカードのお支払い分だけではなく自動車クレジット分もまとめたご請求金額が確認できる! 新しいアプリではTS CUBIC CARDだけではなく提携カードをお持ちの方はもちろんのこと、自動車クレジットをお使いのお客さまも全てのご請求金額がまとめて確認できます 3. キャンペーンの参加登録もアプリでラクラク! おトクな情報や重要なお知らせも随時お届けします ■■■ご留意事項■■■ ・iOS15未満はサポート対象外となりました。iOS15 未満のバージョンをお使いの場合は、OSのバージョンアップをお願い致します。OSのアップデートの内容/方法に関しては、Appleのサポート (https://support.apple.com/ja-jp/118575)をご確認ください。 ・画像はすべてイメージです。 ・このアプリは全ての端末について動作保障するものではありません。 本アプリは、トヨタファイナンス株式会社発行のクレジットカード会員さま、かつ、会員さま専用WEBページ MY TS3(マイティーエスキュービック)へご登録の方に無料でご利用いただけます。 ・アプリご利用時のパケット通信費は別途必要となります。 ・当アプリに関して、メールでのお問合せをいただく場合は、特定のアドレスまたはドメインからの限定着信(または受信拒否)を登録されている場合は、受信対象アドレスへの追加登録(または受信拒否解除)をお願いいたします。 ・本アプリより提供するキャンペーンについて、Apple Inc.、Apple Japan Inc.(アップルジャパン株式会社)は、スポンサーではなく、一切関係がありません。 <弊社がメール送信する際のメールアドレス> shared_app-info@toyota-finance.co.jp
Paidy
Shop now and pay later with just your smartphone. No credit card or pre-registration is needed. Consolidate your purchases into a monthly bill with flexible payment options, including installments at 0% interest for select plans.
- Buy now, pay later with smartphone
- No credit card or pre-registration required
- Monthly consolidated billing
- Flexible payment methods (convenience store, bank transfer, auto-debit)
- 0% interest installment plans (3, 6, 12 months)
- Shop and discover products within the app
- Apple product installment plans
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Features - Buy now pay later with just your smartphone - No Credit card nor Pre-registration required, no annual fee - Buy now at more than 700K shops including Amazon, SHEIN, DMM - Monthly consolidated bill received at the beginning of next month and you can easily choose the payment method that works best for you - Freely choose from convenient store, automatic debit transfer, bank transfer - Pay at Lawson, Ministop, FamilyMart,Seicomart,7-Eleven - Monthly bills can be paid by simply showing the screen at a convenience store with the app - You can pay at a convenience store at any time by using the "Pay Now" function - Discover products in "Shop" and "inspiration" tabs and complete purchase in the app for a smooth shopping experience Make shopping easier and delightful by verifying your identification: - Use "3 pay" or "6 pay" or "12 pay" to split your purchase into 3 or 6 or 12 monthly installments at 0% interest. * - Check your spend limit and set a budget to stop overspending *0% interest only with auto-debit and bank transfer. *The number of payments that can be selected varies depending on the merchant Paidy Plus for Apple - Shop at Apple with 0% interest** - Installment plans up to 36 months, depending on the product - Dedicated line of credit exclusively for Apple Retail - An application for “Paidy Plus for Apple” is required to shop at Apple***. **0% interest only with auto-debit and bank transfer. ***Paidy and Paidy Plus cannot be used to make purchases at Apple. ***The 3pay, 6pay, and 12pay features for Paidy Plus cannot be used with Apple. Recommended For -Those who prefer cashless payment -Those who prefer to pay monthly consolidated bills at next month -Those who are worried about the overuse of credit cards -Those who prefer to pay in monthly installments without fees -Those who prefer to freely choose payment options such as convenient store, automatic debit transfer, bank transfer -Those who prefer to purchase Apple products with monthly installments Security Measures -Account protected with two-factor authentication using verification codes -Monitor all transactions 24 hours a day, 365 days a year -Prevention of fraud and impersonation by identity verification -Payment information is encrypted with TLS (Transport Layer Security) [English] 【For more details, click here】 https://paidy.com 【Paidy Plus for Apple Terms of Use】 https://terms.paidy.com/hokatsu-apple/ 【Paidy Plus Terms of Use】 https://terms.paidy.com/hokatsu/
Screenshots
Verdict
The clearest difference is ads: TS CUBIC アプリ at none against Paidy's shown. TS CUBIC アプリ also leads on monetization model (free vs free with in-app purchases). Paidy's advantage is update cadence (fortnightly vs every 2 months) and ratings volume (159K vs 33K). On price, rating, review sentiment and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Paidy holds the better App Store score, 4.4 against 4.3. Both are backed by a comparable volume of ratings — 33K and 159K respectively. Written reviews point the same way: 2% of TS CUBIC アプリ's written reviews are positive against 6% of Paidy's.
TS CUBIC アプリ ships an update every 2 months, Paidy fortnightly. Both last shipped on November 7, 2026.
| Parameter | TS CUBIC アプリ | Paidy |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (33K ratings) | 4.4 (159K ratings) — better |
| Positive reviews | 2.0% of reviews | 6.3% of reviews — better |
| Number of ratings | 33K | 159K — better |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 28 MB | 165 MB |
| Age rating | 17+ | 4+ |
| Developer | TOYOTA FINANCE CORPORATION | Paidy Inc. |
Customer experience
TS CUBIC アプリ
Paidy
In-app purchases
TS CUBIC アプリ
No in-app purchases
Paidy
No in-app purchases
Questions
Is TS CUBIC アプリ free?
Is Paidy free?
Which has better reviews, TS CUBIC アプリ or Paidy?
Do TS CUBIC アプリ or Paidy have ads?
Which is updated more often, TS CUBIC アプリ or Paidy?
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