# IOU 아이오유 vs PayNote

The clearest difference is in-app purchases: PayNote at none against IOU 아이오유's 1. PayNote also leads on update cadence (every 5 months vs every 11 months). On price, review sentiment, ads and device support there is nothing between them.

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 11 months, PayNote every 5 months. The most recent releases landed on October 30, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | IOU 아이오유 | PayNote |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/iou/id6737295602/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 11 months | **Every 5 months** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 3 MB | 35 MB |
| Requires iOS | 16.6 | 16.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Three KJ Co., Ltd](https://appshunter.io/developer/1739707519) | [SeungSeop Lim](https://appshunter.io/developer/1711312835) |

## What reviewers say

### IOU 아이오유

[App page](https://appshunter.io/ios/app/iou/id6737295602)

Easily create legally compliant loan agreements with this app. It offers features like repayment reminders, official notice services, and legal consultations. Securely record and manage loan details with an intuitive interface.

**Highlights:** Easy loan agreement creation, Repayment reminders, Official notice service, Legal consultation booking, Secure storage of agreements, Intuitive user interface

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 10장 | $19.99 | one-time |


### PayNote

[App page](https://appshunter.io/ios/app/paynote-smart-money-managing/id6741191038)

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.

**Highlights:** Manage borrowed and lent money, Record transaction details, Set repayment deadlines, Distinguish transaction status, Add memos for details, Intuitive and user-friendly design

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is IOU 아이오유 free?

IOU 아이오유 is free to download, with in-app purchases available.

### Is PayNote free?

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

### Do IOU 아이오유 or PayNote have ads?

Neither IOU 아이오유 nor PayNote shows ads.

### Which is updated more often, IOU 아이오유 or PayNote?

IOU 아이오유 ships an update every 11 months, and PayNote every 5 months. Most recently, IOU 아이오유 was updated on October 30, 2026 and PayNote on October 21, 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.*