# PayBacks vs Lending Evidence

The clearest difference is in-app purchases: Lending Evidence at none against PayBacks's 2. Lending Evidence also leads on update cadence (every 8 days vs every 3 months). PayBacks's advantage is ads (none vs shown) and device support (3 vs 1). On price there is nothing between them.

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

PayBacks ships an update every 3 months, Lending Evidence every 8 days. The most recent releases landed on October 16, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | PayBacks | Lending Evidence |
| --- | --- | --- |
| 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** | Yes |
| Update frequency | Every 3 months | **Every 8 days** |
| Monetization | Free with in-app purchases | — |
| Size | 51 MB | 5 MB |
| Requires iOS | **10.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Cristina Buga](https://appshunter.io/developer/973024381) | [Shota Nakayama](https://appshunter.io/developer/6775669673) |

## 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 |


### Lending Evidence

[App page](https://appshunter.io/ios/app/lending-evidence/id6775669671)

**In-app purchases:** none


## Frequently asked questions

### Is PayBacks free?

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

### Is Lending Evidence free?

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

### Do PayBacks or Lending Evidence have ads?

Lending Evidence shows ads; PayBacks does not.

### Which is updated more often, PayBacks or Lending Evidence?

PayBacks ships an update every 3 months, and Lending Evidence every 8 days. Most recently, PayBacks was updated on October 16, 2026 and Lending Evidence on October 2, 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.*