# Finity vs CrediTotal

The clearest difference is rating: Finity at 4.8 against CrediTotal's 3.6. Finity also leads on review sentiment (67% vs 34%). On price, ratings volume, update cadence and ads there is nothing between them.

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

Finity holds the better App Store score, 4.8 against 3.6. Both are backed by a comparable volume of ratings — 181 and 161 respectively. Written reviews point the same way: 67% of Finity's written reviews are positive against 34% of CrediTotal's.

Finity ships an update fortnightly, CrediTotal every 2 weeks. The most recent releases landed on October 14, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Finity | CrediTotal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (181 ratings)](https://appshunter.io/ios/app/finity/id6502372374/reviews)** | [3.6 (161 ratings)](https://appshunter.io/ios/app/creditotal/id6566169946/reviews) |
| Number of ratings | **181** | 161 |
| Positive reviews | **66.7% of reviews** | 34.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 81 MB | 67 MB |
| Requires iOS | 15.4 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Finity Tech C.A.](https://appshunter.io/developer/1738527485) | [Conceptual Dynamic PSC. C.A.](https://appshunter.io/developer/1579233258) |

## What reviewers say

### Finity

[App page](https://appshunter.io/ios/app/finity/id6502372374)

This app offers a Buy Now, Pay Later service, allowing users to split purchases into interest-free installments. It provides flexible payment tools and quick approval for purchases.

**Highlights:** Buy Now, Pay Later, Interest-free installments, Flexible payment tools, Quick approval, Advance payments, Customizable payment amounts, Payment history tracking

**In-app purchases:** none


### CrediTotal

[App page](https://appshunter.io/ios/app/creditotal/id6566169946)

Shop at Mundo Total stores nationwide and pay later in convenient installments. Enjoy fashion, electronics, pharmacy, and home goods without commissions or interest.

**Highlights:** Buy now, pay later, Shop at Mundo Total stores, Pay in installments, No commissions, No interest

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

**In-app purchases:** none

**What reviewers like**

- ✨ Excellent service
- 💯 Reliable app
- 👍 Easy to use
- 🤝 Great customer support

**What reviewers complain about**

- 🐛 App crashes or freezes
- ⚠️ Unreliable updates
- 🤔 Unclear requirements for approval
- ❌ Poor customer service

**Reported bugs**

- App not loading or opening
- Issues with identity verification
- Incompatibility with certain devices

**Requested features**

- Improve update process
- Provide more transparent approval criteria
- Enhance customer support channels


## Frequently asked questions

### Is Finity free?

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

### Is CrediTotal free?

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

### Which has better reviews, Finity or CrediTotal?

Finity is rated higher. Finity averages 4.8 out of 5 from 181 ratings, while CrediTotal averages 3.6 from 161 ratings.

### Do Finity or CrediTotal have ads?

Neither Finity nor CrediTotal shows ads.

### Which is updated more often, Finity or CrediTotal?

Finity ships an update fortnightly, and CrediTotal every 2 weeks. Most recently, Finity was updated on October 14, 2026 and CrediTotal on October 16, 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.*