# Repay vs Republic Finance

The clearest difference is review sentiment: Repay at 78% against Republic Finance's 32%. Republic Finance's advantage is rating (3.6 vs 1.0) and in-app purchases (none vs 1). On price, update cadence, ads and device support there is nothing between them.

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

Republic Finance holds the better App Store score, 3.6 against 1.0. That said, the two scores are not equally well evidenced: Republic Finance has 79 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 78% of Repay's written reviews are positive against 32% of Republic Finance's, so the app with the better star average is not the one people write more warmly about.

Repay ships an update every 6 weeks, Republic Finance every 2 months. The most recent releases landed on November 5, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | Repay | Republic Finance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/repay/id868063485/reviews) | **[3.6 (79 ratings)](https://appshunter.io/ios/app/republic-finance/id1409736823/reviews)** |
| Number of ratings | 1 | **79** |
| Positive reviews | **77.8% of reviews** | 31.6% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 17 MB | 9 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Oleg Bogumirskiy](https://appshunter.io/developer/638397891) | [Republic Finance, LLC](https://appshunter.io/developer/1409736822) |

## What reviewers say

### Repay

[App page](https://appshunter.io/ios/app/repay/id868063485)

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:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| One year premium subscription | $2.99 | per year |


### Republic Finance

[App page](https://appshunter.io/ios/app/republic-finance/id1409736823)

Manage your consumer loans conveniently from your mobile device. View account details, make payments, and check pre-qualification status without affecting your credit score. Find branches and access loan offer examples.

**Highlights:** View account information and details, Make payments via bank account or debit card, Access pre-qualification with no credit impact, Find branch locations, Loan offer examples and terms

**In-app purchases:** none


## Frequently asked questions

### Is Repay free?

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

### Is Republic Finance free?

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

### Which has better reviews, Repay or Republic Finance?

Republic Finance is rated higher. Repay averages 1.0 out of 5 from 1 ratings, while Republic Finance averages 3.6 from 79 ratings.

### Do Repay or Republic Finance have ads?

Neither Repay nor Republic Finance shows ads.

### Which is updated more often, Repay or Republic Finance?

Repay ships an update every 6 weeks, and Republic Finance every 2 months. Most recently, Repay was updated on November 5, 2026 and Republic Finance on November 2, 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.*