# SplitNPay vs PayLater

The clearest difference is rating: SplitNPay at 5.0 against PayLater's 3.5. SplitNPay also leads on iOS requirement (13.4 vs 15.6). PayLater's advantage is ratings volume (304 vs 3). 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.

SplitNPay holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: PayLater has 304 ratings behind it against 3, so its average is the more settled of the two.

## The numbers

| Metric | SplitNPay | PayLater |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/splitnpay/id6478142878/reviews)** | [3.5 (304 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) |
| Number of ratings | 3 | **304** |
| Positive reviews | — | 28.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | — | Every 3 weeks |
| Monetization | Free | Free |
| Size | 11 MB | 106 MB |
| Requires iOS | **13.4** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Baris Taskiran](https://appshunter.io/developer/1692238225) | [Pay Later](https://appshunter.io/developer/1754177617) |

## What reviewers say

### SplitNPay

[App page](https://appshunter.io/ios/app/splitnpay/id6478142878)

Easily divide group expenses for dining, gifts, or trips. Calculate tips and manage custom splits with an intuitive interface. Streamline payments and avoid awkward conversations.

**Highlights:** Quick bill splitting, Custom expense splits, Tip calculation, User-friendly interface, Group payment management

**Features:** macOS Compatibility

**In-app purchases:** none


### 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 SplitNPay free?

SplitNPay 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, SplitNPay or PayLater?

SplitNPay is rated higher. SplitNPay averages 5.0 out of 5 from 3 ratings, while PayLater averages 3.5 from 304 ratings.

### Do SplitNPay or PayLater have ads?

Neither SplitNPay nor PayLater shows ads.

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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.*