# TS CUBIC アプリ vs Paidy

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.

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.

## The numbers

| Metric | TS CUBIC アプリ | Paidy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (33K ratings)](https://appshunter.io/ios/app/ts-cubic/id566286431/reviews) | **[4.4 (159K ratings)](https://appshunter.io/ios/app/paidy/id1220373112/reviews)** |
| Number of ratings | 33K | **159K** |
| Positive reviews | 2.0% of reviews | **6.3% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 28 MB | 165 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [TOYOTA FINANCE CORPORATION](https://appshunter.io/developer/446077336) | [Paidy Inc.](https://appshunter.io/developer/1014964074) |

## What reviewers say

### TS CUBIC アプリ

[App page](https://appshunter.io/ios/app/ts-cubic/id566286431)

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.

**Highlights:** View monthly billing and total points, Consolidated billing for credit cards and auto loans, Easy campaign registration, Receive deal and announcement notifications

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Paidy

[App page](https://appshunter.io/ios/app/paidy/id1220373112)

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.

**Highlights:** 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

**In-app purchases:** none


## Frequently asked questions

### Is TS CUBIC アプリ free?

TS CUBIC アプリ is free to download, with no in-app purchases.

### Is Paidy free?

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

### Which has better reviews, TS CUBIC アプリ or Paidy?

Paidy is rated higher. TS CUBIC アプリ averages 4.3 out of 5 from 33K ratings, while Paidy averages 4.4 from 159K ratings.

### Do TS CUBIC アプリ or Paidy have ads?

Paidy shows ads; TS CUBIC アプリ does not.

### Which is updated more often, TS CUBIC アプリ or Paidy?

TS CUBIC アプリ ships an update every 2 months, and Paidy fortnightly. Most recently, TS CUBIC アプリ was updated on November 7, 2026 and Paidy on November 7, 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.*