# PayBacks vs Kako Loan

The clearest difference is in-app purchases: Kako Loan at none against PayBacks's 2. PayBacks's advantage is iOS requirement (10.0 vs 15.0). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. PayBacks sells 2 one-off in-app purchases. Kako Loan asks for nothing beyond the download.

PayBacks ships an update every 3 months, Kako Loan every 2 months. The most recent releases landed on October 16, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | PayBacks | Kako Loan |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/paybacks/id973145698/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 87.5% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free with in-app purchases | — |
| Size | 51 MB | 30 MB |
| Requires iOS | **10.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cristina Buga](https://appshunter.io/developer/973024381) | [CHHAY VANDYRICHAT](https://appshunter.io/developer/1883607397) |

## What reviewers say

### PayBacks

[App page](https://appshunter.io/ios/app/paybacks/id973145698)

Easily track money lent and borrowed. Get reminders for due dates and mark payments as complete. Send friendly reminders to friends who owe you money.

**Highlights:** Track money lent and borrowed, Add payment details, Reminders for due dates, Mark payments as paid, Send friendly reminders, Siri integration

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $1.99 | one-time |
| Unlimited Payments | $2.99 | one-time |


### Kako Loan

[App page](https://appshunter.io/ios/app/kako-loan/id6760614903)

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

**In-app purchases:** none


## Frequently asked questions

### Is PayBacks free?

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

### Is Kako Loan free?

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

### Do PayBacks or Kako Loan have ads?

Neither PayBacks nor Kako Loan shows ads.

### Which is updated more often, PayBacks or Kako Loan?

PayBacks ships an update every 3 months, and Kako Loan every 2 months. Most recently, PayBacks was updated on October 16, 2026 and Kako Loan 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.*