# PayLater vs Pony Up

The clearest difference is in-app purchases: PayLater at none against Pony Up's 2. On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Pony Up sells 2 in-app purchases, starting at $2.99 per month. PayLater asks for nothing beyond the download.

PayLater ships an update every 3 weeks, Pony Up every 2 weeks. The most recent releases landed on November 4, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | PayLater | Pony Up |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (318 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews)** | — |
| Number of ratings | **318** | — |
| Positive reviews | 27.8% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | — |
| Size | 106 MB | 48 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [Abyss Enterprises Northwest LLC](https://appshunter.io/developer/6786781846) |

## 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


### Pony Up

[App page](https://appshunter.io/ios/app/pony-up-split-bills/id6797995013)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pony Up Pro Monthly | $2.99 | per month |
| Pony Up Pro Annual | $19.99 | per year |


## Frequently asked questions

### Is PayLater free?

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

### Is Pony Up free?

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

### Do PayLater or Pony Up have ads?

Neither PayLater nor Pony Up shows ads.

### Which is updated more often, PayLater or Pony Up?

PayLater ships an update every 3 weeks, and Pony Up every 2 weeks. Most recently, PayLater was updated on November 4, 2026 and Pony Up on November 6, 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.*