# PayLater vs Splitly

The clearest difference is in-app purchases: PayLater at none against Splitly's 1. PayLater also leads on iOS requirement (15.6 vs 17.0). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Splitly sells 1 one-off in-app purchase. PayLater asks for nothing beyond the download.

PayLater ships an update every 3 weeks, Splitly every 2 weeks. The most recent releases landed on October 2, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | PayLater | Splitly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (304 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews)** | — |
| Number of ratings | **304** | — |
| Positive reviews | 28.2% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | — |
| Size | 106 MB | 22 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [DELOS CREATOR HUB COMPANY LIMITED](https://appshunter.io/developer/1741202484) |

## What reviewers say

### 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


### Splitly

[App page](https://appshunter.io/ios/app/splitly-split-my-bills/id6739765338)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Splitly Premium | $8.99 | one-time |


## Frequently asked questions

### Is PayLater free?

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

### Is Splitly free?

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

### Do PayLater or Splitly have ads?

Neither PayLater nor Splitly shows ads.

### Which is updated more often, PayLater or Splitly?

PayLater ships an update every 3 weeks, and Splitly every 2 weeks. Most recently, PayLater was updated on October 2, 2026 and Splitly on October 1, 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.*