# PayLater vs Pay with Sublime

The clearest difference is review sentiment: Pay with Sublime at 86% against PayLater's 28%. Pay with Sublime also leads on rating (4.7 vs 3.5) and update cadence (every 9 days vs every 3 weeks). PayLater's advantage is iOS requirement (15.6 vs 18.5). On price, ratings volume, 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.

Pay with Sublime holds the better App Store score, 4.7 against 3.5. Both are backed by a comparable volume of ratings — 298 and 157 respectively. Written reviews point the same way: 28% of PayLater's written reviews are positive against 86% of Pay with Sublime's.

PayLater ships an update every 3 weeks, Pay with Sublime every 9 days. The most recent releases landed on September 29, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | PayLater | Pay with Sublime |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (298 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) | **[4.7 (157 ratings)](https://appshunter.io/ios/app/pay-with-sublime/id6753262106/reviews)** |
| Number of ratings | **298** | 157 |
| Positive reviews | 28.4% of reviews | **85.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 106 MB | 61 MB |
| Requires iOS | **15.6** | 18.5 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [Sublime Payments Company](https://appshunter.io/developer/1843249098) |

## 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


### Pay with Sublime

[App page](https://appshunter.io/ios/app/pay-with-sublime/id6753262106)

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

**Highlights:** Split bills into smaller payments, Earn 5% cash back on timely payments, Automatic bill negotiation, Finds hidden savings, Subscription tracking and management, Due date alerts

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

**In-app purchases:** none


## Frequently asked questions

### Is PayLater free?

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

### Is Pay with Sublime free?

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

### Which has better reviews, PayLater or Pay with Sublime?

Pay with Sublime is rated higher. PayLater averages 3.5 out of 5 from 298 ratings, while Pay with Sublime averages 4.7 from 157 ratings.

### Do PayLater or Pay with Sublime have ads?

Neither PayLater nor Pay with Sublime shows ads.

### Which is updated more often, PayLater or Pay with Sublime?

PayLater ships an update every 3 weeks, and Pay with Sublime every 9 days. Most recently, PayLater was updated on September 29, 2026 and Pay with Sublime on September 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.*