# PayLater vs U

The clearest difference is review sentiment: U at 100% against PayLater's 28%. U also leads on rating (5.0 vs 3.5) and update cadence (weekly vs every 3 weeks). PayLater's advantage is in-app purchases (none vs 2) and ratings volume (314 vs 2). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. U sells 2 in-app purchases, starting at $1.99 per month. PayLater asks for nothing beyond the download.

U holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: PayLater has 314 ratings behind it against 2, 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 U's.

PayLater ships an update every 3 weeks, U weekly. Both last shipped on October 24, 2026.

## The numbers

| Metric | PayLater | U |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (314 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/u-own/id6754340842/reviews)** |
| Number of ratings | **314** | 2 |
| Positive reviews | 28.3% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | **Free** | Freemium |
| Size | 106 MB | 75 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [V-Projectz](https://appshunter.io/developer/1847942543) |

## 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


### U

[App page](https://appshunter.io/ios/app/u-own/id6754340842)

Manage personal debts and loans with this intuitive application. Track what you owe and what others owe you, organize finances with categories and due dates, and stay on top of payments. It offers offline functionality with optional cloud backup and real-time friend notifications.

**Highlights:** Track debts easily, Organize finances with categories, Offline functionality, Optional cloud backup, Friend notifications, Stay on top of payments

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Silver Monthly Subscription | $1.99 | per month |
| Silver Yearly Subscription | $15.99 | per year |


## Frequently asked questions

### Is PayLater free?

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

### Is U free?

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

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

U is rated higher. PayLater averages 3.5 out of 5 from 314 ratings, while U averages 5.0 from 2 ratings.

### Do PayLater or U have ads?

Neither PayLater nor U shows ads.

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

PayLater ships an update every 3 weeks, and U weekly. Most recently, PayLater was updated on October 24, 2026 and U on October 24, 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.*