# PayLater vs Split

The clearest difference is review sentiment: Split at 71% against PayLater's 28%. Split also leads on rating (4.7 vs 3.5) and update cadence (every 9 days vs every 3 weeks). 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.

Split holds the better App Store score, 4.7 against 3.5. Both are backed by a comparable volume of ratings — 298 and 725 respectively. Written reviews point the same way: 28% of PayLater's written reviews are positive against 71% of Split's.

PayLater ships an update every 3 weeks, Split every 9 days. Both last shipped on September 29, 2026.

## The numbers

| Metric | PayLater | Split |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (298 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) | **[4.7 (725 ratings)](https://appshunter.io/ios/app/split-pay-together/id6753594526/reviews)** |
| Number of ratings | 298 | **725** |
| Positive reviews | 28.4% of reviews | **71.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 106 MB | 93 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [Split Mobile Inc.](https://appshunter.io/developer/1843900753) |

## 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


### Split

[App page](https://appshunter.io/ios/app/split-pay-together/id6753594526)

Easily divide expenses with friends and track shared costs. This app simplifies group payments for everything from rent to vacations, allowing guests to pay via various methods even without the app. It automates reminders and provides transparent totals for stress-free financial management.

**Highlights:** Split bills with friends, Track shared expenses, Collect payments instantly, Fractional, itemized, and even splits, Guest payments via Google Pay, card, Apple Pay, Built-in receipt scanning, Automatic payment reminders

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use with friends
- 🚀 Seamless bill splitting
- 💡 Convenient and efficient
- 👍 Straightforward interface


## Frequently asked questions

### Is PayLater free?

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

### Is Split free?

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

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

Split is rated higher. PayLater averages 3.5 out of 5 from 298 ratings, while Split averages 4.7 from 725 ratings.

### Do PayLater or Split have ads?

Neither PayLater nor Split shows ads.

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

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