# Repay vs Heights Finance

The clearest difference is review sentiment: Repay at 78% against Heights Finance's 14%. Repay also leads on ads (none vs shown) and update cadence (every 6 weeks vs every 11 months). Heights Finance's advantage is rating (2.4 vs 1.0) and in-app purchases (none vs 1). On price, device support and iOS requirement there is nothing between them.

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

Heights Finance holds the better App Store score, 2.4 against 1.0. That said, the two scores are not equally well evidenced: Heights Finance has 18 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 14% of Heights 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, Heights Finance every 11 months. The most recent releases landed on November 5, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Repay | Heights Finance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/repay/id868063485/reviews) | **[2.4 (18 ratings)](https://appshunter.io/ios/app/heights-finance/id1635793827/reviews)** |
| Number of ratings | 1 | **18** |
| Positive reviews | **77.8% of reviews** | 14.3% of reviews |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | **Every 6 weeks** | Every 11 months |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 17 MB | 3 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Oleg Bogumirskiy](https://appshunter.io/developer/638397891) | [CURO Management LLC](https://appshunter.io/developer/784028834) |

## 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 |


### Heights Finance

[App page](https://appshunter.io/ios/app/heights-finance/id1635793827)

Manage your loans with this mobile app. View loan details, make payments, send messages, and upload or share documents. Receive notifications and find branch locations.

**Highlights:** View loan details, Make loan payments, Send and receive messages, Upload and share documents, Receive notifications, Find branch locations

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Repay free?

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

### Is Heights Finance free?

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

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

Heights Finance is rated higher. Repay averages 1.0 out of 5 from 1 ratings, while Heights Finance averages 2.4 from 18 ratings.

### Do Repay or Heights Finance have ads?

Heights Finance shows ads; Repay does not.

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

Repay ships an update every 6 weeks, and Heights Finance every 11 months. Most recently, Repay was updated on November 5, 2026 and Heights Finance on November 3, 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.*