# Forth vs CirclePay

The clearest difference is rating: CirclePay at 3.0 against Forth's 2.6. CirclePay also leads on update cadence (every 2 weeks vs every 3 months). Forth's advantage is review sentiment (14% vs 0%) and ratings volume (21 vs 2). 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.

CirclePay holds the better App Store score, 3.0 against 2.6. That said, the two scores are not equally well evidenced: Forth has 21 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 14% of Forth's written reviews are positive against 0% of CirclePay's, so the app with the better star average is not the one people write more warmly about.

Forth ships an update every 3 months, CirclePay every 2 weeks. The most recent releases landed on October 24, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Forth | CirclePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (21 ratings)](https://appshunter.io/ios/app/forth/id6480395930/reviews) | **[3.0 (2 ratings)](https://appshunter.io/ios/app/circlepay-buy-now-pay-later/id6759215105/reviews)** |
| Number of ratings | **21** | 2 |
| Positive reviews | **14.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 10 MB | 47 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Set Forth, Inc.](https://appshunter.io/developer/1738871910) | [Circle Explorer PVT LTD](https://appshunter.io/developer/1861315816) |

## What reviewers say

### Forth

[App page](https://appshunter.io/ios/app/forth/id6480395930)

Manage your debt relief program effortlessly. Track your progress towards financial wellness with a clear overview of your program and payment history. Update account details and receive timely payment alerts.

**Highlights:** Debt relief program overview, Payment history tracking, Bank account updates, Upcoming payment alerts, Contact support

**In-app purchases:** none


### CirclePay

[App page](https://appshunter.io/ios/app/circlepay-buy-now-pay-later/id6759215105)

This app allows users to shop at partner merchants and split purchases into interest-free monthly installments. Manage payments, track spending, and discover new places to shop, all within a secure platform.

**Highlights:** Interest-free installments, QR code payments, Link bank accounts/cards, Spending insights, Rewards and referrals, Secure identity verification

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

**In-app purchases:** none


## Frequently asked questions

### Is Forth free?

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

### Is CirclePay free?

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

### Which has better reviews, Forth or CirclePay?

CirclePay is rated higher. Forth averages 2.6 out of 5 from 21 ratings, while CirclePay averages 3.0 from 2 ratings.

### Do Forth or CirclePay have ads?

Neither Forth nor CirclePay shows ads.

### Which is updated more often, Forth or CirclePay?

Forth ships an update every 3 months, and CirclePay every 2 weeks. Most recently, Forth was updated on October 24, 2026 and CirclePay on October 31, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*