Comparison

Repay vs Security Finance℠

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Repay

This app helps manage shared expenses among friends for group trips, shared living, or parties. It provides a clear overview of who paid for what, calculates individual shares, and tracks who owes money to whom, simplifying financial arrangements.

Highlights
  • Track shared expenses
  • Calculate individual shares
  • Manage group finances
  • Create unlimited events (premium)
  • Log transactions easily
  • View clear financial overview
Features
Read full description

When we travel as a group of friends, rent an apartment together, share expenses at the party, or read the restaurant bill - in all such cases, you have to arrange finances of the participants. On one hand, friends prefer not to spoil relations by mere formalities. On the other hand, nobody likes to overpay, as well as to be in debt. Repay offers an elegant solution for this delicate problem. Use it for building a clear and transparent picture: who pays for what, what is the budget for an event, what are your shares, who owes you money and to whom do you owe. Log in to Repay by any mean which is convenient for you - via web interface following the link http://repayapp.com/ on any computer, or by using the Repay app for Apple iPhone on a mobile phone, tablet, or any other gadget. You can create an event (for instance, “Holidays in the Alps”) at Repay just in two clicks, and add friends so all the participants can track expenses and registers their transactions: “I’ve bought flight tickets for all”, “Peter paid for Elena”, “I gave money to a friend”, “Our advance money is paid back, let’s share”. Repay shows the action sequence to all participants. Repay calculates financing and displays the results helping to find answers to typical questions: • who are the participants? • what is the total share of any participant? • to whom do I owe, and how much? • who owes me money, and how much? • how much money does a specified participant need to pay? • how much money do the other participants need to pay to him or her? • what is the total budget of the event? When you run the mobile app in a free-of-charge mode, all Repay functionality is available, but the monthly quota for number of transactions and their total value is implemented. By purchasing a premium account, you eliminate all that limitations. It is easy to prolong the premium account subscription. Upgrade to One Year Premium Subscription for unlimited usage of Repay just for $2.99/year. Payment will be charged to your iTunes Account at confirmation of purchase. The subscription will automatically renew if not cancelled 24 hours before the end of the current period. The current period itself cannot be cancelled. Subscriptions may be managed and auto-renewal may be turned off in the Account Settings after purchase. Please, read our Privacy Policy at http://repayapp.com/privacy/, as well as our additional Privacy Policy for Children http://repayapp.com/privacy_children. Don't forget to read the App Terms of Service https://www.apple.com/legal/internet-services/itunes/dev/stdeula/. Visit the Repay web site http://repayapp.com/ to find additional information, to register, to start using Repay, and to download the mobile applications. FEATURES • Any user can register at Repay unlimited number of events, and for any of those events - unlimited number of participants and transactions (on premium accounts) • Supported transactions: - purchases in equal (even) and unequal parts (split). In the first case, a sum of money is divided among the participants. In the latter, you enter the size of contribution of every participant. The advanced split transactions are also supported, when you specify individual unequal parts and sum total, and the remainder of the sum is divided evenly. - individual purchases, when one participant pays for another - money is lent, and repaid - income - getting unused money back • Easy, free of charge registration procedure. Your login is you mobile phone number. • Notifications by SMS about financial actions of other participants • You can use Repay on your mobile device running Apple iOS (iPhone, iPad, iPod) or on any desktop computer via any Internet browser • Localization: English and Russian languages are already supported, the number of supported languages grows up • Integration with a phone book of your mobile • You can see in real time the current balance of any participant, the size of debts and shares of the participants

About

Security Finance℠

Manage your installment loans on the go. Make secure payments, track due dates, and access financial education tools. Stay informed with notification reminders and easily connect with your local branch.

Highlights
  • Secure payments
  • Payment reminders
  • Check due dates
  • Verify loan balance
  • View loan documents
  • Find local branches
  • Renew loan by phone
Read full description

Managing your Security Finance account has never been easier with the Security Finance℠ Mobile App, which offers a range of features designed to help you stay on top of things while on the go. With our app, you can easily make secure payments, check your next due date, contact your local branch, explore financial education tools, easily sign up and change a password, and more. Moreover, you can enable notification reminders, so you never miss a payment. The Security Finance℠ Mobile App provides the following features: • Make secure payments without convenience fees • Receive notification reminders • Check your payment amount and next due date • Verify your loan balance • View your last payment and amount • View loan documents • Upload verification documents • Improved sign-up, log-in, and user id/password change experience • Find a nearby branch • Renew your loan by phone • Contact your local branch easily • Schedule your Tax appointment At Security Finance, we are committed to providing fast financial solutions that cater to your busy schedule. For over 65 years, we have proudly served our community with easy and safe installment loans, and now we are bringing you even more convenience with our mobile app. With our conveniently located branches, you can receive personal service from people you know and trust. And now, with the app, you can easily manage your account and make fast, secure payments, right at your fingertips. If you are not currently a customer with Security Finance, you can still access the app as a guest to explore branch locations and contact information. However, to enjoy the app's full functionality, you must open a loan account. Security Finance is licensed to offer traditional installment loans, which vary in amounts, terms, and available ancillary products based on the states of operation. Any account activity processed on a given day will not be reflected until the next business day. All Rights Reserved 2023 You can find our Privacy Policy, Privacy Notice, and Security Finance℠ Mobile App Terms of Use on our website at www.securityfinance.com Security Finance is affiliated with the following Brands: Bond Finance, Continental Credit, Continental Loans, Maverick Finance, and Sunbelt Credit Security Finance of Georgia, LLC – NMLS #2029421

Screenshots

Repay4 screens
Security Finance℠4 screens

Verdict

The call

The clearest difference is review sentiment: Repay at 100% against Security Finance℠'s 38%. Repay also leads on update cadence (every 6 weeks vs every 4 months). Security Finance℠'s advantage is rating (3.5 vs 1.0) and in-app purchases (none vs 1). On price, ads, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Repay sells 1 in-app purchase, starting at $2.99 per year. Security Finance℠ asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Security Finance℠ holds the better App Store score, 3.5 against 1.0. That said, the two scores are not equally well evidenced: Security Finance℠ has 209 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 100% of Repay's written reviews are positive against 38% of Security Finance℠'s, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Repay ships an update every 6 weeks, Security Finance℠ every 4 months. The most recent releases landed on October 3, 2026 and October 5, 2026 respectively.

Scorecard6 real differences · 4 level
Repay versus Security Finance℠: the parameters behind the verdict, then further details
ParameterRepaySecurity Finance℠
PriceFreeFree
Rating1.0 (1 ratings)3.5 (209 ratings) — better
Positive reviews100.0% of reviews — better38.1% of reviews
Number of ratings1209 — better
Update frequencyEvery 6 weeks — betterEvery 4 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.012.2 — better
Further details — not scored
Size17 MB92 MB
Age rating4+4+
DeveloperOleg BogumirskiySecurity Finance Corporation of Spartanburg

Customer experience

Repay

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Security Finance℠

All ratings209 ratings
Positive60.8%
Neutral6.7%
Negative32.5%
Written reviews63 reviews
Positive38.1%
Neutral4.8%
Negative57.1%

Bugs and requests

Repay

Not enough reviews yet to summarise bugs or requests.

Security Finance℠

Reported bugs

18 issues
  • App doesn't send email for verification
  • App has trouble opening
  • Cannot access account
  • App doesn't work half the time
  • Huge hassle logging in
Show 13 more
  • App will load but says unable to log in
  • Cannot log in
  • Password reset link not received
  • App closes right away
  • Unable to log in after changing password
  • Cannot get into the app
  • Cannot log in to the website
  • New login system issues
  • App crashes
  • Login screen freezes
  • Email for password reset not received
  • App not accepting password
  • App not accepting email for registration

Requested features

7 requests
  • Ability to make split payments
  • Allow payment with credit cards
  • Fix the login system
  • Allow multiple users to log in from the same device
  • Make the app user-friendly
Show 2 more
  • Allow making payments in the app
  • Allow two loans in one app

In-app purchases

1 purchases

Repay

Subscriptions1
  • One year premium subscription$2.991 Year
None

Security Finance℠

No in-app purchases

Questions

Is Repay free?
Repay is free to download, with in-app purchases available.
Is Security Finance℠ free?
Security Finance℠ is free to download, with no in-app purchases.
Which has better reviews, Repay or Security Finance℠?
Security Finance℠ is rated higher. Repay averages 1.0 out of 5 from 1 ratings, while Security Finance℠ averages 3.5 from 209 ratings.
Do Repay or Security Finance℠ have ads?
Neither Repay nor Security Finance℠ shows ads.
Which is updated more often, Repay or Security Finance℠?
Repay ships an update every 6 weeks, and Security Finance℠ every 4 months. Most recently, Repay was updated on October 3, 2026 and Security Finance℠ on October 5, 2026.

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