# Repay vs Tower Loan

The clearest difference is review sentiment: Repay at 100% against Tower Loan's 22%. Repay also leads on device support (3 vs 1) and iOS requirement (13.0 vs 17.0). Tower Loan's advantage is rating (3.0 vs 1.0) and in-app purchases (none vs 1). On price and ads there is nothing between them.

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

Tower Loan holds the better App Store score, 3.0 against 1.0. That said, the two scores are not equally well evidenced: Tower Loan has 47 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 22% of Tower Loan'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, Tower Loan every 3 weeks. The most recent releases landed on October 3, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Repay | Tower Loan |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/repay/id868063485/reviews) | **[3.0 (47 ratings)](https://appshunter.io/ios/app/tower-loan/id6739587104/reviews)** |
| Number of ratings | 1 | **47** |
| Positive reviews | **100.0% of reviews** | 22.2% 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 | 41 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Oleg Bogumirskiy](https://appshunter.io/developer/638397891) | [Tower Loan](https://appshunter.io/developer/1786183195) |

## 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 |


### Tower Loan

[App page](https://appshunter.io/ios/app/tower-loan/id6739587104)

Easily manage your loan account with this mobile app. Check balances, make payments, view statements, and get important notifications. Access branch information and customer support conveniently.

**Highlights:** Check balance and due date, Make and schedule payments, View and download e-statements, Receive payment reminders, Update payment methods, Locate branches and ATMs, Contact customer support

**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 Tower Loan free?

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

### Which has better reviews, Repay or Tower Loan?

Tower Loan is rated higher. Repay averages 1.0 out of 5 from 1 ratings, while Tower Loan averages 3.0 from 47 ratings.

### Do Repay or Tower Loan have ads?

Neither Repay nor Tower Loan shows ads.

### Which is updated more often, Repay or Tower Loan?

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

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*