# CrediTotal vs Rapikom

The clearest difference is ratings volume: CrediTotal at 182 against Rapikom's 5. Rapikom's advantage is rating (4.0 vs 3.8). 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.

Rapikom holds the better App Store score, 4.0 against 3.8. That said, the two scores are not equally well evidenced: CrediTotal has 182 ratings behind it against 5, so its average is the more settled of the two.

CrediTotal ships an update every 2 weeks, Rapikom weekly. The most recent releases landed on October 27, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | CrediTotal | Rapikom |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (182 ratings)](https://appshunter.io/ios/app/creditotal/id6566169946/reviews) | **[4.0 (5 ratings)](https://appshunter.io/ios/app/rapikom/id6739229232/reviews)** |
| Number of ratings | **182** | 5 |
| Positive reviews | 35.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free | Free |
| Size | 67 MB | 25 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Conceptual Dynamic PSC. C.A.](https://appshunter.io/developer/1579233258) | [Rapikom LLC](https://appshunter.io/developer/1784344993) |

## What reviewers say

### 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


### Rapikom

[App page](https://appshunter.io/ios/app/rapikom/id6739229232)

This app allows you to purchase items by paying an initial amount and then splitting the remaining cost into three interest-free installments. You can increase your purchasing power by joining a premium club and fulfilling payment commitments.

**Highlights:** Pay in 3 interest-free installments, Initial down payment required, Increase purchasing line, Join premium club for benefits, Shop at allied stores

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

**In-app purchases:** none


## Frequently asked questions

### Is CrediTotal free?

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

### Is Rapikom free?

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

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

Rapikom is rated higher. CrediTotal averages 3.8 out of 5 from 182 ratings, while Rapikom averages 4.0 from 5 ratings.

### Do CrediTotal or Rapikom have ads?

Neither CrediTotal nor Rapikom shows ads.

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

CrediTotal ships an update every 2 weeks, and Rapikom weekly. Most recently, CrediTotal was updated on October 27, 2026 and Rapikom on October 28, 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.*