# IOU 아이오유 vs 크레딧톡

The clearest difference is in-app purchases: 크레딧톡 at none against IOU 아이오유's 1. 크레딧톡 also leads on update cadence (every 4 weeks vs every 11 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. IOU 아이오유 sells 1 one-off in-app purchase. 크레딧톡 asks for nothing beyond the download.

IOU 아이오유 ships an update every 11 months, 크레딧톡 every 4 weeks. The most recent releases landed on November 8, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | IOU 아이오유 | 크레딧톡 |
| --- | --- | --- |
| 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 | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 11 months | **Every 4 weeks** |
| Monetization | Free with in-app purchases | — |
| Size | 3 MB | 40 MB |
| Requires iOS | 16.6 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Three KJ Co., Ltd](https://appshunter.io/developer/1739707519) | [Seungmok Han](https://appshunter.io/developer/1811670507) |

## 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 |


### 크레딧톡

[App page](https://appshunter.io/ios/app/id6749958536)

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

**In-app purchases:** none


## Frequently asked questions

### Is IOU 아이오유 free?

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

### Is 크레딧톡 free?

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

### Do IOU 아이오유 or 크레딧톡 have ads?

Neither IOU 아이오유 nor 크레딧톡 shows ads.

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

IOU 아이오유 ships an update every 11 months, and 크레딧톡 every 4 weeks. Most recently, IOU 아이오유 was updated on November 8, 2026 and 크레딧톡 on October 30, 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.*