# Repay vs PayLater

The clearest difference is review sentiment: Repay at 100% against PayLater's 28%. Repay also leads on iOS requirement (13.0 vs 15.6). PayLater's advantage is rating (3.5 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. PayLater asks for nothing beyond the download.

PayLater holds the better App Store score, 3.5 against 1.0. That said, the two scores are not equally well evidenced: PayLater has 304 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 28% of PayLater'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, PayLater every 3 weeks. The most recent releases landed on October 3, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Repay | PayLater |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/repay/id868063485/reviews) | **[3.5 (304 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews)** |
| Number of ratings | 1 | **304** |
| Positive reviews | **100.0% of reviews** | 28.3% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 17 MB | 106 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) | [Pay Later](https://appshunter.io/developer/1754177617) |

## 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 |


### PayLater

[App page](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290)

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

**Highlights:** Split payments into 4 installments, Fast and easy onboarding, Secure PCI DSS-compliant transactions, Shop with a network of top retailers, Transparent fees, no hidden charges

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Trusted
- 👍 Great experience

**What reviewers complain about**

- 💡 No Arabic language support
- 💡 Low spending limit
- 🐛 Debit card not supported
- 🐛 OTP not received
- 🐛 Unable to delete app and restart

**Reported bugs**

- Login screen freezes
- Incompatible with older devices

**Requested features**

- Monthly payment reminder
- Higher spending limits


## Frequently asked questions

### Is Repay free?

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

### Is PayLater free?

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

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

PayLater is rated higher. Repay averages 1.0 out of 5 from 1 ratings, while PayLater averages 3.5 from 304 ratings.

### Do Repay or PayLater have ads?

Neither Repay nor PayLater shows ads.

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

Repay ships an update every 6 weeks, and PayLater every 3 weeks. Most recently, Repay was updated on October 3, 2026 and PayLater on October 14, 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.*