# MIS Pay vs FinCliq

The clearest difference is review sentiment: FinCliq at 100% against MIS Pay's 63%. FinCliq also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). MIS Pay's advantage is rating (4.3 vs 4.0) and ratings volume (40 vs 4). On price, update cadence, in-app purchases and device support there is nothing between them.

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

MIS Pay holds the better App Store score, 4.3 against 4.0. That said, the two scores are not equally well evidenced: MIS Pay has 40 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 63% of MIS Pay's written reviews are positive against 100% of FinCliq's, so the app with the better star average is not the one people write more warmly about.

MIS Pay ships an update every 11 days, FinCliq fortnightly. The most recent releases landed on September 20, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | MIS Pay | FinCliq |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (40 ratings)](https://appshunter.io/ios/app/mis-pay/id6443602765/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/fincliq/id6748591937/reviews) |
| Number of ratings | **40** | 4 |
| Positive reviews | 63.2% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 11 days** | Fortnightly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 96 MB | 72 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [MIS Forward](https://appshunter.io/developer/1640327273) | [FinCliq](https://appshunter.io/developer/1826460351) |

## What reviewers say

### MIS Pay

[App page](https://appshunter.io/ios/app/mis-pay/id6443602765)

Shop with financial flexibility using this app. Buy items now and pay later with no interest or fees. Manage your purchases, track payments, and access exclusive partner discounts.

**Highlights:** Buy now, pay later, Zero interest installments, Transparent payment schedule, Manage purchases and payments, Exclusive partner discounts, Secure and simple to use

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

**In-app purchases:** none


### FinCliq

[App page](https://appshunter.io/ios/app/fincliq/id6748591937)

This app offers interest-free buy now, pay later plans with no hidden fees, using alternative data for instant approvals. Manage all your payment plans in one place and shop at thousands of merchants. It also features a community savings and lending program.

**Highlights:** Interest-free buy now, pay later plans, Instant approvals with alternative credit data, Manage all payment plans in one place, Shop at over 5,000 merchants, Purchase digital and gift cards, Community-powered savings and lending (Circles), Rewards for on-time payments

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

**In-app purchases:** none


## Frequently asked questions

### Is MIS Pay free?

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

### Is FinCliq free?

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

### Which has better reviews, MIS Pay or FinCliq?

MIS Pay is rated higher. MIS Pay averages 4.3 out of 5 from 40 ratings, while FinCliq averages 4.0 from 4 ratings.

### Do MIS Pay or FinCliq have ads?

MIS Pay shows ads; FinCliq does not.

### Which is updated more often, MIS Pay or FinCliq?

MIS Pay ships an update every 11 days, and FinCliq fortnightly. Most recently, MIS Pay was updated on September 20, 2026 and FinCliq on September 23, 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.*