# PayLater vs Splitit Go

The clearest difference is review sentiment: Splitit Go at 100% against PayLater's 28%. Splitit Go also leads on rating (5.0 vs 3.5). PayLater's advantage is update cadence (every 3 weeks vs every 6 months) and ratings volume (298 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Splitit Go holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: PayLater has 298 ratings behind it against 1, 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 Splitit Go's.

PayLater ships an update every 3 weeks, Splitit Go every 6 months. The most recent releases landed on September 23, 2026 and September 15, 2026 respectively.

## The numbers

| Metric | PayLater | Splitit Go |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (298 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/splitit-go/id6755229647/reviews)** |
| Number of ratings | **298** | 1 |
| Positive reviews | 28.4% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 6 months |
| Monetization | Free | Free |
| Size | 106 MB | 43 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [Splitit USA Inc](https://appshunter.io/developer/1709460495) |

## 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


### Splitit Go

[App page](https://appshunter.io/ios/app/splitit-go/id6755229647)

Manage installment payments with a mobile-first point-of-sale experience. This app offers speed, clarity, and control for merchants, simplifying complex installment management into an intuitive workflow for in-store or on-the-go use.

**Highlights:** Real-time installment control, Mobile-first point-of-sale, Intuitive workflow, In-store and on-the-go management, Speed and clarity

**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 Splitit Go free?

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

### Which has better reviews, PayLater or Splitit Go?

Splitit Go is rated higher. PayLater averages 3.5 out of 5 from 298 ratings, while Splitit Go averages 5.0 from 1 ratings.

### Do PayLater or Splitit Go have ads?

Neither PayLater nor Splitit Go shows ads.

### Which is updated more often, PayLater or Splitit Go?

PayLater ships an update every 3 weeks, and Splitit Go every 6 months. Most recently, PayLater was updated on September 23, 2026 and Splitit Go on September 15, 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.*