# Split Pay vs PayLater

The clearest difference is review sentiment: Split Pay at 73% against PayLater's 28%. Split Pay also leads on rating (4.9 vs 3.5) and ratings volume (16K vs 298). On price, update cadence, ads 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.

Split Pay holds the better App Store score, 4.9 against 3.5. That said, the two scores are not equally well evidenced: Split Pay has 16K ratings behind it against 298, so its average is the more settled of the two. Written reviews point the same way: 73% of Split Pay's written reviews are positive against 28% of PayLater's.

Split Pay ships an update fortnightly, PayLater every 3 weeks. The most recent releases landed on September 25, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Split Pay | PayLater |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (16K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** | [3.5 (298 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) |
| Number of ratings | **16K** | 298 |
| Positive reviews | **72.6% of reviews** | 28.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Best chart rank | **#90** | — |
| Size | 70 MB | 106 MB |
| Requires iOS | 16.6 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Visible Ideas](https://appshunter.io/developer/1685211689) | [Pay Later](https://appshunter.io/developer/1754177617) |

## What reviewers say

### Split Pay

[App page](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850)

**Currently charting:** #90 Top Free · Finance (US App Store)

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

**Highlights:** Split rent into two payments, Build credit history, Improve budgeting, Works with all payment systems, Autopay functionality, Free credit reporting option

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Great service with team members that go above and beyond
- 👍 Easy to use and intuitive
- 💡 Helpful split pay feature
- 🚀 Smooth and seamless process
- 👍 Convenient for budgeting and managing rent payments

**What reviewers complain about**

- 🐛 Delayed rent payments to landlord
- 🐛 Accounts suspended with no explanation
- 🐛 Difficult to get approved for split pay
- 🐛 App crashes and freezes
- 🐛 Lack of integration with property management portals

**Reported bugs**

- Login screen freezes
- Incompatibility with certain bank accounts
- Payments not showing up in app after being processed

**Requested features**

- Ability to change payment dates after initial setup
- Option to adjust second split pay date within 30-day period
- Integration with property management payment portals
- Clearer communication on approval process and reasons for account suspension


### 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 Split Pay free?

Split 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, Split Pay or PayLater?

Split Pay is rated higher. Split Pay averages 4.9 out of 5 from 16K ratings, while PayLater averages 3.5 from 298 ratings.

### Do Split Pay or PayLater have ads?

Neither Split Pay nor PayLater shows ads.

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

Split Pay ships an update fortnightly, and PayLater every 3 weeks. Most recently, Split Pay was updated on September 25, 2026 and PayLater 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.*