# Valu Jo vs Settle

The clearest difference is update cadence: Settle at every 4 days against Valu Jo's every 10 days. On price, ads, in-app purchases and device support there is nothing between them.

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

Valu Jo ships an update every 10 days, Settle every 4 days. The most recent releases landed on October 22, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Valu Jo | Settle |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (4 ratings)](https://appshunter.io/ios/app/valu-jo/id6761329552/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 days | **Every 4 days** |
| Monetization | Free | — |
| Size | 136 MB | 34 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Valu for Payments and Technical Solutions S.A.E.](https://appshunter.io/developer/1536147386) | [Zaid Haddadin](https://appshunter.io/developer/6803953232) |

## What reviewers say

### Valu Jo

[App page](https://appshunter.io/ios/app/valu-jo/id6761329552)

This app provides a Buy Now, Pay Later service, allowing users to shop from a network of merchants and split purchases into flexible payment plans. It offers a fully digital experience for managing payments and accessing funds for everyday essentials and larger purchases.

**Highlights:** Buy Now, Pay Later (BNPL), Flexible payment plans, Shop across a wide merchant network, Fully digital experience, Manage payments in one place, Access funds for purchases

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

**In-app purchases:** none


### Settle

[App page](https://appshunter.io/ios/app/settle-split-bills/id6803953230)

**In-app purchases:** none


## Frequently asked questions

### Is Valu Jo free?

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

### Is Settle free?

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

### Do Valu Jo or Settle have ads?

Neither Valu Jo nor Settle shows ads.

### Which is updated more often, Valu Jo or Settle?

Valu Jo ships an update every 10 days, and Settle every 4 days. Most recently, Valu Jo was updated on October 22, 2026 and Settle on October 14, 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.*