# Repay vs Together Loans

The clearest difference is review sentiment: Repay at 100% against Together Loans's 26%. Repay also leads on iOS requirement (13.0 vs 15.6). Together Loans's advantage is rating (4.3 vs 1.0) and in-app purchases (none vs 1). On price, 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. Together Loans asks for nothing beyond the download.

Together Loans holds the better App Store score, 4.3 against 1.0. That said, the two scores are not equally well evidenced: Together Loans has 406 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 26% of Together Loans'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, Together Loans fortnightly. The most recent releases landed on October 3, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Repay | Together Loans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/repay/id868063485/reviews) | **[4.3 (406 ratings)](https://appshunter.io/ios/app/together-loans/id6480202690/reviews)** |
| Number of ratings | 1 | **406** |
| Positive reviews | **100.0% of reviews** | 25.6% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | — | **#190** |
| Size | 17 MB | 38 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Oleg Bogumirskiy](https://appshunter.io/developer/638397891) | [Transform Credit](https://appshunter.io/developer/1738457418) |

## 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 |


### Together Loans

[App page](https://appshunter.io/ios/app/together-loans/id6480202690)

**Currently charting:** #190 Top Free · Finance (US App Store)

This app offers a new approach to lending, providing loans based on trust rather than solely on credit history. It allows users to view their loan details, access statements, make secure payments, and apply to borrow more.

**Highlights:** View loan details, Access statements, Secure payments, Top up and borrow more, Transparent loan terms

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

**In-app purchases:** none


## Frequently asked questions

### Is Repay free?

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

### Is Together Loans free?

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

### Which has better reviews, Repay or Together Loans?

Together Loans is rated higher. Repay averages 1.0 out of 5 from 1 ratings, while Together Loans averages 4.3 from 406 ratings.

### Do Repay or Together Loans have ads?

Neither Repay nor Together Loans shows ads.

### Which is updated more often, Repay or Together Loans?

Repay ships an update every 6 weeks, and Together Loans fortnightly. Most recently, Repay was updated on October 3, 2026 and Together Loans on October 16, 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.*