# Paymate vs LoanTracker

The clearest difference is in-app purchases: Paymate at none against LoanTracker's 3. Paymate also leads on update cadence (every 2 days vs every 5 weeks) and iOS requirement (15.1 vs 17.0). On price, ads and device support there is nothing between them.

Both are free to download. LoanTracker sells 3 in-app purchases, starting at $2.99 per year. Paymate asks for nothing beyond the download.

Paymate ships an update every 2 days, LoanTracker every 5 weeks. The most recent releases landed on October 16, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | Paymate | LoanTracker |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 2 days** | Every 5 weeks |
| Monetization | — | Freemium |
| Size | 33 MB | 10 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [Jose Delgado](https://appshunter.io/developer/1875161950) | [磊 刘](https://appshunter.io/developer/1892400556) |

## What reviewers say

### Paymate

[App page](https://appshunter.io/ios/app/paymate/id6758818571)

**Features:** macOS Compatibility

**In-app purchases:** none


### LoanTracker

[App page](https://appshunter.io/ios/app/loantracker-debt-manager/id6787019815)

Manage all your loans in one place, from mortgages to personal loans. Automatically calculates monthly payments and generates clear repayment schedules. Receive timely reminders to avoid missing any due dates.

**Highlights:** Unified loan management, Automatic monthly payment calculation, Multiple repayment methods, Early repayment calculator (VIP), Detailed repayment schedules, Repayment reminders, Local data storage

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| LoanTracker VIP Yearly | $2.99 | per year |
| Liaoran VIP One Year | $3.99 | one-time |
| Unlock Full Version | $4.99 | one-time |


## Frequently asked questions

### Is Paymate free?

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

### Is LoanTracker free?

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

### Do Paymate or LoanTracker have ads?

Neither Paymate nor LoanTracker shows ads.

### Which is updated more often, Paymate or LoanTracker?

Paymate ships an update every 2 days, and LoanTracker every 5 weeks. Most recently, Paymate was updated on October 16, 2026 and LoanTracker on October 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.*