# Finity vs Total Credit +

The clearest difference is update cadence: Finity at fortnightly against Total Credit +'s every 10 months. Finity also leads on ratings volume (181 vs 1). Total Credit +'s advantage is rating (5.0 vs 4.8). 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.

Total Credit + holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Finity has 181 ratings behind it against 1, so its average is the more settled of the two.

Finity ships an update fortnightly, Total Credit + every 10 months. The most recent releases landed on October 18, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | Finity | Total Credit + |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (181 ratings)](https://appshunter.io/ios/app/finity/id6502372374/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/total-credit-plus/id6737702920/reviews)** |
| Number of ratings | **181** | 1 |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 10 months |
| Monetization | Free | Free |
| Size | 81 MB | 38 MB |
| Requires iOS | **15.4** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Finity Tech C.A.](https://appshunter.io/developer/1738527485) | [Total Credit](https://appshunter.io/developer/1777478968) |

## 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


### Total Credit +

[App page](https://appshunter.io/ios/app/total-credit-plus/id6737702920)

Manage your money with an intuitive system offering real-time account and card movement visualization. Send and receive money quickly, including SINPE Móvil transfers, and easily pay credit cards from other financial institutions.

**Highlights:** Real-time account and card movement visualization, Fast and secure electronic transfers, SINPE Móvil transfers, Pay credit cards from other institutions, Share account details easily

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

**In-app purchases:** none


## Frequently asked questions

### Is Finity free?

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

### Is Total Credit + free?

Total Credit + is free to download, with no in-app purchases.

### Which has better reviews, Finity or Total Credit +?

Total Credit + is rated higher. Finity averages 4.8 out of 5 from 181 ratings, while Total Credit + averages 5.0 from 1 ratings.

### Do Finity or Total Credit + have ads?

Neither Finity nor Total Credit + shows ads.

### Which is updated more often, Finity or Total Credit +?

Finity ships an update fortnightly, and Total Credit + every 10 months. Most recently, Finity was updated on October 18, 2026 and Total Credit + on October 1, 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.*