# Repay vs Carpay

The clearest difference is review sentiment: Repay at 100% against Carpay's 46%. Repay also leads on iOS requirement (13.0 vs 15.1). Carpay's advantage is rating (4.8 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. Carpay asks for nothing beyond the download.

Carpay holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: Carpay has 4.9K 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 46% of Carpay'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, Carpay every 5 weeks. The most recent releases landed on October 3, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Repay | Carpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/repay/id868063485/reviews) | **[4.8 (4.9K ratings)](https://appshunter.io/ios/app/carpay/id1440081995/reviews)** |
| Number of ratings | 1 | **4.9K** |
| Positive reviews | **100.0% of reviews** | 45.7% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 5 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 17 MB | 33 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Oleg Bogumirskiy](https://appshunter.io/developer/638397891) | [CarPay, Inc.](https://appshunter.io/developer/1440081994) |

## 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 |


### Carpay

[App page](https://appshunter.io/ios/app/carpay/id1440081995)

Easily manage your car loan on the go. Make payments, view balances, and schedule automatic payments. Receive timely notifications to stay on top of your loan.

**Highlights:** Make loan payments, Print receipts, Check account balances, Schedule autopay, Enable notifications

**In-app purchases:** none

**What reviewers like**

- ⭐ Convenient and easy to use
- ⭐ Secure payment method
- ⭐ Helpful for making car payments remotely

**What reviewers complain about**

- 💰 Excessive and unexpected fees
- 🔒 Security issues with login and payment processing
- 🐛 Buggy and unreliable app functionality

**Reported bugs**

- Login credentials being deleted after app updates
- Inability to make payments through the app
- App failing to load user information

**Requested features**

- Ability to view payment history and remaining balance
- Option to set up automatic payments without fees
- Improved customer support and responsiveness


## Frequently asked questions

### Is Repay free?

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

### Is Carpay free?

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

### Which has better reviews, Repay or Carpay?

Carpay is rated higher. Repay averages 1.0 out of 5 from 1 ratings, while Carpay averages 4.8 from 4.9K ratings.

### Do Repay or Carpay have ads?

Neither Repay nor Carpay shows ads.

### Which is updated more often, Repay or Carpay?

Repay ships an update every 6 weeks, and Carpay every 5 weeks. Most recently, Repay was updated on October 3, 2026 and Carpay on October 10, 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.*