Comparison

Crediviva vs facturillo

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Crediviva

Acquire desired items through manageable installments with this app. It offers a 4-step digital process to use credit lines at affiliated stores and pay with QR codes. Enjoy flexible payment plans up to 24 months and exclusive 0% APR offers.

Highlights
  • Installment purchases
  • Up to 24 monthly installments
  • 0% APR offers
  • 100% digital process
  • QR code payments
  • Account management
  • Over 25 affiliated stores
Features
Read full description

Descubre la mejor manera de comprar a plazos con Crediviva. En colaboración con los principales Almacenes del país, Crediviva te brinda el poder de cumplir tus sueños al permitirte adquirir lo que siempre has deseado a través de cuotas manejables. Cómo Funciona Crediviva: Nuestro proceso es increíblemente sencillo, consta de solo 4 pasos para hacer realidad tus sueños. 1. Descarga la aplicación Crediviva y regístrate o inicia sesión. 2. Completa nuestro formulario rápido. 3. Utiliza tu línea de crédito en tus tiendas afiliadas favoritas. 4. Paga tus compras en las tiendas usando un código QR, haciendo que el proceso de pago sea fluido y conveniente. Cuotas Flexibles: Compra con comodidad, ya que tienes la flexibilidad de dividir tus pagos en hasta 24 cuotas mensuales, adaptadas a tu presupuesto y preferencias. Ofertas Exclusivas al 0% APR: Desbloquea ofertas inigualables con nuestras ofertas especiales al 0% APR, asegurando que puedas comprar con tranquilidad. Proceso 100% Digital: Experimenta un proceso totalmente digital que elimina la necesidad de una tarjeta de crédito. Tu experiencia con Crediviva es libre de complicaciones y segura. Administra Tu Cuenta: Desde tu panel de inicio, tendrás el poder de: - Verificar el saldo de tu préstamo. - Revisar tu historial de pagos. - Explorar tus tiendas favoritas y ofertas exclusivas. - Comprar en más de 25 tiendas en todo el país.

About

facturillo

Effortlessly track your spending and gain financial insights with AI-powered invoice scanning and automatic categorization. Set budgets, compare prices, and earn rewards for smart financial habits. Connect your favorite AI assistants to analyze your spending in natural language.

Highlights
  • QR invoice scanning
  • AI automatic categorization
  • AI spending analysis
  • Smart budgeting
  • Price comparison
  • Puntos Facturillo rewards
Features
Read full description

Meet facturillo, the simplest way to understand where your money goes and turn your invoices into useful insights, without spreadsheets or complicated apps. Do your expenses feel out of control? facturillo combines invoice scanning with artificial intelligence, automatic categorization, budgets, spending analytics, supermarket price comparison and Puntos Facturillo with real rewards from our partner businesses, all in a simple design you can customize. And now your favorite AI understands your spending too: connect Claude or ChatGPT to your account and ask it anything. Key features • Instant QR invoice scanning Digitize your invoices in seconds by reading the QR code and logging the purchase instantly. You can also add manual invoices or upload a photo or PDF. • Automatic categorization with AI Let AI classify your purchases into clear categories like groceries, shopping, services and more, without any manual work. Everything safely stored in the cloud. • Connect your AI (Pro) Link Claude or ChatGPT to facturillo and ask about your spending in plain language: how much you have spent this month, which categories you spend most on, or when you bought something. Read-only access that you approve and can revoke anytime. • Smart budgets Set monthly budgets by category, see how much you have spent and how much is left, and get notified when you are close to your limits. Set per-category goals and choose the day your month starts. • Pockets Group your invoices into pockets like groceries, vacations or projects. Set monthly or all-time limits, pick each pocket's display currency, and share them in real time with anyone you choose (Pro). Split each expense among the members and log payments to settle up (Pro). • Shopping baskets Build baskets of your products and find which supermarket, or two-store combo, is cheapest. Prices from across Panama, refreshed every 24 hours. • Prices near you (Pro) Open any product and see on a map what it costs at stores around you, with real prices from recent receipts. • Log expenses by email (Pro) Forward any invoice by email, even without a QR code: as a PDF, an image, or the message itself. AI logs it as an expense automatically. • Home screen widgets Check your budget, your categories and a summary of your month without opening the app, and scan with one tap. • Spending reports and insights Access clear reports and visual dashboards that show where your money goes, and spot patterns and opportunities to save every month. • Price tracking Monitor how prices change for your usual products and stores and choose the best moment to buy. • Puntos Facturillo Earn points and badges every time you scan an invoice and redeem them for rewards from our partner businesses. Scratch cards with surprises, and a map of the rewards you can redeem near you. • Favorite invoices Mark your most important invoices as favorites, such as rent, subscriptions or insurance, and find them instantly. More with facturillo Pro Recurring expenses, custom categories, personal vs. work tagging, invoice attachments, RUC and ITBMS on manual invoices, multi-currency, customizable Excel export, batch PDF download, exclusive rewards and priority support. And coming very soon: facturillo Familia, one account for the whole family. How it works 1) Ask for your invoice with a QR code at checkout. 2) Scan it with facturillo to log it instantly. 3) Let the app organize your invoices, budgets, prices and points, and turn your expenses into real savings. facturillo. Scan. Control. Save. Privacy Policy: https://facturillo.com/en/privacy Terms of Use: https://facturillo.com/en/terms

Screenshots

Crediviva4 screens
facturillo4 screens

Verdict

The call

The clearest difference is in-app purchases: Crediviva at none against facturillo's 2. Crediviva also leads on rating (4.7 vs 4.3). On price, review sentiment, ratings volume and update cadence there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. facturillo sells 2 in-app purchases, starting at $4.99 per month. Crediviva asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Crediviva holds the better App Store score, 4.7 against 4.3. Both are backed by a comparable volume of ratings — 7 and 6 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 30, 2026 and November 4, 2026 respectively.

Scorecard3 real differences · 7 level
Crediviva versus facturillo: the parameters behind the verdict, then further details
ParameterCredivivafacturillo
PriceFreeFree
Rating4.7 (7 ratings) — better4.3 (6 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings7 — better6
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.0.0
Further details — not scored
Size152 MB102 MB
Age rating17+17+
DeveloperCredivivafacturillo Inc.

Customer experience

Crediviva

All ratings7 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

facturillo

All ratings6 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Crediviva

No in-app purchases

2 purchases

facturillo

Subscriptions2
  • facturillo Pro1 Month trial$4.991 Month
  • facturillo Family1 Month trial$9.991 Month

Questions

Is Crediviva free?
Crediviva is free to download, with no in-app purchases.
Is facturillo free?
facturillo is free to download, with in-app purchases available.
Which has better reviews, Crediviva or facturillo?
Crediviva is rated higher. Crediviva averages 4.7 out of 5 from 7 ratings, while facturillo averages 4.3 from 6 ratings.
Do Crediviva or facturillo have ads?
Neither Crediviva nor facturillo shows ads.
Which is updated more often, Crediviva or facturillo?
Crediviva ships an update every 3 weeks, and facturillo every 3 weeks. Most recently, Crediviva was updated on October 30, 2026 and facturillo on November 4, 2026.

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