# PayLater vs Settld.

The clearest difference is rating: Settld. at 5.0 against PayLater's 3.5. Settld. also leads on review sentiment (50% vs 28%) and update cadence (every 9 days vs every 3 weeks). PayLater's advantage is ratings volume (304 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.

Settld. 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 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 50% of Settld.'s.

PayLater ships an update every 3 weeks, Settld. every 9 days. The most recent releases landed on October 14, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | PayLater | Settld. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (304 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/settld/id6762236160/reviews)** |
| Number of ratings | **304** | 1 |
| Positive reviews | 28.3% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 106 MB | 53 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [CulinAI, LLC](https://appshunter.io/developer/1890934992) |

## 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


### Settld.

[App page](https://appshunter.io/ios/app/settld/id6762236160)

Effortlessly divide expenses for any group activity, from dinners to rent. Track who owes what in real-time and send quick payment requests to settle up fast. Avoid awkward group chats and spreadsheets with a simple, stress-free design.

**Highlights:** Split receipts and bills, Assign items to specific people, Track balances in real-time, Send payment requests, Mark cash payments, Clean dashboard for active bills

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

**In-app purchases:** none


## Frequently asked questions

### Is PayLater free?

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

### Is Settld. free?

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

### Which has better reviews, PayLater or Settld.?

Settld. is rated higher. PayLater averages 3.5 out of 5 from 304 ratings, while Settld. averages 5.0 from 1 ratings.

### Do PayLater or Settld. have ads?

Neither PayLater nor Settld. shows ads.

### Which is updated more often, PayLater or Settld.?

PayLater ships an update every 3 weeks, and Settld. every 9 days. Most recently, PayLater was updated on October 14, 2026 and Settld. on September 21, 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.*