# Finity vs Xtracash

The clearest difference is rating: Xtracash at 5.0 against Finity's 4.6. Finity's advantage is ratings volume (102 vs 5). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Xtracash holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Finity has 102 ratings behind it against 5, so its average is the more settled of the two.

Finity ships an update fortnightly, Xtracash every 3 weeks. The most recent releases landed on October 2, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | Finity | Xtracash |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (102 ratings)](https://appshunter.io/ios/app/finity/id6502372374/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/xtracash/id6749920628/reviews)** |
| Number of ratings | **102** | 5 |
| Positive reviews | 60.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 72 MB | 36 MB |
| Requires iOS | 15.4 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [Finity Tech C.A.](https://appshunter.io/developer/1738527485) | [Meritop CA](https://appshunter.io/developer/1818691318) |

## 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


### Xtracash

[App page](https://appshunter.io/ios/app/xtracash/id6749920628)

Manage your account and make secure mobile payments. View your available balance, current debt, and minimum payment. Generate payment receipts and update your profile.

**Highlights:** View account balance and debt, Make secure mobile payments, Generate payment receipts, Update profile information, Contact local support

**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 Xtracash free?

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

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

Xtracash is rated higher. Finity averages 4.6 out of 5 from 102 ratings, while Xtracash averages 5.0 from 5 ratings.

### Do Finity or Xtracash have ads?

Neither Finity nor Xtracash shows ads.

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

Finity ships an update fortnightly, and Xtracash every 3 weeks. Most recently, Finity was updated on October 2, 2026 and Xtracash on September 17, 2026.

---

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