# Split It vs PayLater

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.

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.

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

## The numbers

| Metric | Split It | PayLater |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.5 (298 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews)** |
| Number of ratings | — | **298** |
| Positive reviews | — | 28.4% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Daily** | Every 3 weeks |
| Monetization | — | Free |
| Size | 100 MB | 106 MB |
| Requires iOS | **14.0.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Will Hobick](https://appshunter.io/developer/1633919552) | [Pay Later](https://appshunter.io/developer/1754177617) |

## What reviewers say

### Split It

[App page](https://appshunter.io/ios/app/split-it-split-expenses/id6738067805)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Split It | $4.99 | per month |


### PayLater

[App page](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Trusted
- 👍 Great experience

**What reviewers complain about**

- 💡 No Arabic language support
- 💡 Low spending limit
- 🐛 Debit card not supported
- 🐛 OTP not received
- 🐛 Unable to delete app and restart

**Reported bugs**

- Login screen freezes
- Incompatible with older devices

**Requested features**

- Monthly payment reminder
- Higher spending limits


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*