Comparison

Split It vs PayLater

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Split It

Features
Read full description

Say goodbye to the hassle of tracking and splitting expenses! Split It is your go-to app for effortless expense management, tailored to help you keep track of shared expenses and easily split costs with friends and family. With Split It, you can securely log into your bank accounts via Plaid to automatically track and monitor transactions. The app will send you real-time push notifications whenever a transaction that might need splitting is detected. Weekly and monthly reminders keep you on top of your expenses, and a streamlined dashboard offers a clear view of your transaction history. Key Features: - Automatic Expense Tracking: Log in via Plaid to effortlessly track all your transactions. - Smart Notifications: Get notified instantly when a transaction you may want to split is detected. - Easy Transaction Splitting: View transaction history in one place, making it simple to select and split. - Quick Contact Syncing: Syncs with your contacts for quick and easy payment splitting via Venmo. - Reminders & Dashboard: Weekly and monthly reminders with a clean, organized dashboard to stay on top of your finances. Download Split It now and simplify the way you manage shared expenses. Whether it's splitting dinner, rent, or a group trip, Split It makes it fast, secure, and easy. “Split it Unlimited” subscriptions purchased in-app renew monthly. To avoid renewal, you must turn off auto-renew at least 24 hours before your subscription ends. You can turn off auto-renew at any time by visiting the App Store. Privacy Policy: https://split-it.app/privacy-policy Terms of Service: https://split-it.app/terms-of-service

About

PayLater

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

Highlights
  • Split payments into 4 installments
  • Fast and easy onboarding
  • Secure PCI DSS-compliant transactions
  • Shop with a network of top retailers
  • Transparent fees, no hidden charges
Features
Read full description

Zero interest. Zero fees. Forever. PayLater is Qatar's first Buy Now, Pay Later app licensed by the Qatar Central Bank, and it is 100% Sharia-compliant, certified by Bait Al Mashoura. Split any purchase into 4 payments over 3 months, or spread bigger orders across up to 12 monthly instalments with FleXed. SPLIT IN 4 Pay 25% at checkout and the rest across 3 payments. Get approved in minutes with your Qatari ID and a selfie. FLEXED: UP TO 12 MONTHS Orders of QAR 4,000 and above can be spread over up to 12 monthly instalments instead of 4. Every eligible account gets 10 FleXed credits, one for each instalment you add beyond the standard 4. Run up to 2 FleXed orders at once, and your credits come back as you repay. FleXed is offered based on eligibility. YOUR FIRST PAYMENT, YOUR CALL Raise your first payment above the standard 25% and the balance splits evenly across the instalments you choose. And if something costs more than your limit, pay the difference up front and split the rest. 1,500+ MERCHANTS ACROSS QATAR Shop online and in store at more than 3,000 outlets, including Lulu, Fnac and many more. IN THE APP Your live credit limit, every order and due date in one place, early repayment at no cost, secure card management, and full Arabic and English support. SAFE, LOCAL, TRANSPARENT Licensed by the Qatar Central Bank. PCI DSS-compliant security. Every transaction is processed inside Qatar. The only charge is a QAR 50 late payment fee, approved by our Sharia Supervisory Committee and donated in full to charity. Join 500,000+ shoppers in Qatar already paying a smarter way.

Screenshots

Split It3 screens
PayLater4 screens

Verdict

The call

The clearest difference is in-app purchases: PayLater at none against Split It's 1. Split It's advantage is update cadence (daily vs every 3 weeks). On price, ads, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Split It sells 1 in-app purchase, starting at $4.99 per month. PayLater asks for nothing beyond the download.

UpkeepUpdate frequency

Split It ships an update daily, PayLater every 3 weeks. The most recent releases landed on September 9, 2026 and September 23, 2026 respectively.

Scorecard2 real differences · 8 level
Split It versus PayLater: the parameters behind the verdict, then further details
ParameterSplit ItPayLater
PriceFreeFree
Rating—3.5 (298 ratings) — better
Positive reviews—28.4% of reviews
Number of ratings—298 — better
Update frequencyDaily — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesNo — better
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS14.0.0 — better15.6
Further details — not scored
Size100 MB106 MB
Age rating4+4+
DeveloperWill HobickPay Later

Bugs and requests

Split It

Not enough reviews yet to summarise bugs or requests.

PayLater

Reported bugs

2 issues
  • Login screen freezes
  • Incompatible with older devices

Requested features

2 requests
  • Monthly payment reminder
  • Higher spending limits

In-app purchases

1 purchases

Split It

Subscriptions1
  • Split It7 Days trial$4.991 Month
None

PayLater

No in-app purchases

Questions

Is Split It free?
Split It is free to download, with in-app purchases available.
Is PayLater free?
PayLater is free to download, with no in-app purchases.
Do Split It or PayLater have ads?
Neither Split It nor PayLater shows ads.
Which is updated more often, Split It or PayLater?
Split It ships an update daily, and PayLater every 3 weeks. Most recently, Split It was updated on September 9, 2026 and PayLater on September 23, 2026.

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