IOU 아이오유 vs PayNote
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
IOU 아이오유
Easily create legally compliant loan agreements with this app. It offers repayment reminders, certified mail services, and access to legal consultations. Securely record and manage your loan contracts.
- Loan agreement creation
- Repayment reminders
- Certified mail service
- Legal consultation access
- Secure contract storage
- Intuitive interface
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간편하고 안전한 차용증 작성 서비스 IOU(아이오유) 차용증 작성, 어렵지 않아요! 이제는 앱으로 간단하게 차용증을 작성하고, 필요한 모든 법적 요건을 충족하세요. 누구나 쉽게 이용할 수 있는 직관적인 인터페이스로, 쉽고 안전하게 계약을 기록할 수 있습니다. @상환알림 서비스 아차! 깜박했다? 이제 IOU가 상환일이 다가오면 문자로 알람을 보내드립니다. 잊지말고 갚아주세요~ @내용증명 서비스 때로는 엄격하게! 채무자에게 내용증명을 보내야 한다면 내용증명 기능으로 손쉽게 서류를 만들어보세요. 법무법인에게 대리 발송을 요청하실 수도 있습니다. @법률상담 서비스 도저히 혼자서는 안되겠어! 법적 도움이 필요하시면 상담을 신청해주세요. 전문 변호사가 직접 상담해 드립니다. @차용증 만들기 절차 1) 본인인증으로 회원가입 2) 차용증 작성을 위한 티켓 구매 (월정액 무제한 서비스 가능) 3) 거래 상대방에게 차용증 전송 4) 상대방 동의 후 차용 내용 안전 보관 약관 - 이용약관 : https://iouapp.me/app/page-policy-app.php?co_id=provision - 개인정보처리방침 : https://iouapp.me/app/page-policy-app.php?co_id=privacy
PayNote
Easily track money you've borrowed or lent to others. Record transaction details, set repayment dates, and add memos for clarity. The intuitive design makes managing your finances simple.
- Manage borrowed and lent money
- Record transaction details
- Set repayment deadlines
- Distinguish transaction status
- Add memos for details
- Intuitive and user-friendly design
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Smart Money Management App, PayNote - Easily manage borrowed and lent money. - Record transaction details and set repayment deadlines. - Distinguish between completed and pending transactions at a glance. - Add simple memos to keep track of important transaction details. - With an intuitive design and user-friendly UI, anyone can use it effortlessly.
Screenshots
Verdict
The clearest difference is in-app purchases: PayNote at none against IOU 아이오유's 1. IOU 아이오유's advantage is update cadence (every 9 days vs every 5 months). On price, review sentiment, ads and device support 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
Both are free to download. IOU 아이오유 sells 1 one-off in-app purchase. PayNote asks for nothing beyond the download.
IOU 아이오유 ships an update every 9 days, PayNote every 5 months. The most recent releases landed on October 27, 2026 and October 21, 2026 respectively.
| Parameter | IOU 아이오유 | PayNote |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 1 — better | — |
| Update frequency | Every 9 days — better | Every 5 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.6 | 16.6 |
| Further details — not scored | ||
| Size | 3 MB | 35 MB |
| Age rating | 17+ | 4+ |
| Developer | Three KJ Co., Ltd | SeungSeop Lim |
Customer experience
IOU 아이오유
PayNote
In-app purchases
IOU 아이오유
- 10장$19.99
PayNote
No in-app purchases
