# PayLater vs Splitta

The clearest difference is review sentiment: Splitta at 100% against PayLater's 28%. Splitta also leads on rating (5.0 vs 3.5). PayLater's advantage is ratings volume (304 vs 4) and iOS requirement (15.6 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Splitta holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: PayLater has 304 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 28% of PayLater's written reviews are positive against 100% of Splitta's.

PayLater ships an update every 3 weeks, Splitta every 2 weeks. The most recent releases landed on October 17, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | PayLater | Splitta |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (304 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/splitta-bill-splitter/id6749923413/reviews)** |
| Number of ratings | **304** | 4 |
| Positive reviews | 28.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 106 MB | 56 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [Karl Morris](https://appshunter.io/developer/1468796589) |

## 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


### Splitta

[App page](https://appshunter.io/ios/app/splitta-bill-splitter/id6749923413)

Effortlessly manage shared expenses with this intuitive bill-splitting application. It simplifies tracking who owes what for group trips, rent, or shared subscriptions, making financial management delightful and stress-free.

**Highlights:** Smart bill splitting by percentage, amount, or equally, Group management for roommates, trips, and crews, Fun and friendly payment reminders, Visual dashboard for expense tracking, Works offline with sync capabilities

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PayLater free?

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

### Is Splitta free?

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

### Which has better reviews, PayLater or Splitta?

Splitta is rated higher. PayLater averages 3.5 out of 5 from 304 ratings, while Splitta averages 5.0 from 4 ratings.

### Do PayLater or Splitta have ads?

Neither PayLater nor Splitta shows ads.

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

PayLater ships an update every 3 weeks, and Splitta every 2 weeks. Most recently, PayLater was updated on October 17, 2026 and Splitta on October 2, 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.*