This audit was generated on June 12, 2026

The data may no longer be up to date.

Visibility Audit by Applyra
Carpay

Carpay

CarPay, Inc.

USUSen-US4.4 / 52,093 reviews Jun 5, 2026

Visibility Score

42Needs work

Visibility Breakdown

How your app performs across different visibility factors

Keyword Performance
47
Based on keyword rankings
Keywords analyzed10
Ranked in top 1004
Chart Rankings
0
Position in store charts
Global chartNot ranked
Category chartNot ranked
App Quality
88
Rating and recency signals
Rating4.4 / 5
Last updatedThis month

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Keyword Rankings

Your app's position for key search terms

10

Keywords analyzed

4

Ranked in top 100

2

In top 10

Keyword Performance
Rankings, traffic and difficulty for each keyword
KeywordRankTrafficDifficultyAheadBehindTop 5
carpay#1
25
39
—
CarCard
Carpay
1
CarCard
2
Car IQ Pay
3
Afterpay: Pay over time
4
Klarna: Smarter everyday money
5
car payment#1
49
41
—
CarCard
Carpay
1
CarCard
2
Auto Car Loan Payment Calc Pro
3
Car Loan Payment Calculator
4
Carmoola - Used Car Finance
5
car loan#34
25
52
Car Loan EMI Calculator
Cash Advance App - Capy Loan
Carmoola - Used Car Finance
1
Car Loan Calculator
2
Car Loan Calculator
3
Auto Car Loan Payment Calc Pro
4
United Auto Credit
5
auto loan payment#100
13
44
Oportun: Finances made simple
—
Car Loan Payment Calculator
1
Auto Use Auto Loan
2
Ally: Bank, Auto & Invest
3
Auto Car Loan Payment Calc Pro
4
Auto Loan - Finance Calculator
5
auto loanNot ranked
25
52
——
United Auto Credit
1
Auto Loan - Finance Calculator
2
Auto Use Auto Loan
3
Auto Loan Calculator
4
Auto Car Loan Payment Calc Pro
5
loan managerOpportunityNot ranked
36
55
——
Loan Manager
1
Loan Manager
2
Snap Loan Manager
3
Loan Management System
4
Loan Manager
5
auto financeOpportunityNot ranked
25
39
——
Finverify : Auto Finance App
1
Carmoola - Used Car Finance
2
United Auto Credit
3
Auto Navigator New & Used Cars
4
Auto Loan - Finance Calculator
5
loan trackerOpportunityNot ranked
54
50
——
Debt Payoff Planner & Tracker
1
PayMeLater Friend Debt Tracker
2
Loan Tracker & Debt Collector
3
EMI Reminder & Loan Tracker
4
EzDebt Book - Debt Tracker
5
vehicle loanNot ranked
8
34
——
United Auto Credit
1
Auto Car Loan Payment Calc Pro
2
Auto Use Auto Loan
3
Auto Navigator New & Used Cars
4
Carmoola - Used Car Finance
5
car loan trackerOpportunityNot ranked
20
28
——
Car Loan Payment Calculator
1
Car Loan Calculator
2
Debt Payoff Planner & Tracker
3
Car Loan Calculator
4
Loan Tracker
5

Keyword Competitors

Apps positioned directly before or after yours on keywords

Ranking ahead of you
Apps that outrank yours on shared keywords
Car Loan EMI Calculator

Car Loan EMI Calculator

Finance

Ahead1x
Oportun: Finances made simple

Oportun: Finances made simple

Finance

3.9Ahead1x
Ranking behind you
Apps that you outrank on shared keywords
CarCard

CarCard

Finance

4.3Behind2x
Cash Advance App - Capy Loan

Cash Advance App - Capy Loan

Finance

4.6Behind1x

Occurrence count shows how many keywords each competitor appears on

Category Ranking

Finance chart position

Finance
Not currently ranked in top 100
Cash App

Cash App

★ 4.7
Freecash: Earn Money

Freecash: Earn Money

★ 4.4
Chime® – Fee-Free Banking

Chime® – Fee-Free Banking

★ 4.7
4
PayPal - Pay, Send, Save

PayPal - Pay, Send, Save

★ 4.2
5
Kalshi: Trade the Cup

Kalshi: Trade the Cup

★ 4.7
6
Venmo

Venmo

★ 4.0
7
Trump Accounts: Official App

Trump Accounts: Official App

★ 3.9
8
OnePay – Mobile Banking

OnePay – Mobile Banking

★ 4.8
9
Capital One Mobile

Capital One Mobile

★ 4.5
10
Google Wallet

Google Wallet

★ 4.4
11
Klarna: Smarter everyday money

Klarna: Smarter everyday money

★ 4.8
12
Chase Mobile

Chase Mobile

★ 4.8
13
Progressive

Progressive

★ 4.6
14
Intuit Credit Karma

Intuit Credit Karma

★ 4.7
15
Robinhood: Trading & Investing

Robinhood: Trading & Investing

★ 4.2

Improve your ratings and downloads to climb the category charts.

AI-Powered Analysis

Personalized insights generated by our AI

Carpay has a strong quality score (88%) and dominates two high‑traffic keywords (carpay and car payment) at rank 1, but its overall visibility is low (42/100) due to limited keyword coverage and missing rankings for high‑KEI terms.

Top‑ranked brand terms
high

The app ranks #1 for its brand name "carpay" (traffic 25, KEI 0.64) and for the high‑value keyword "car payment" (traffic 49, KEI 1.2). Leverage this authority by highlighting these terms in screenshots and the short description to reinforce relevance.

Sparse keyword footprint
high

Only 4 of the 10 analyzed keywords are ranked, giving a Keywords Score of 47%. Important high‑KEI terms such as "loan tracker" and "car loan tracker" are not appearing at all, limiting discoverability.

No chart presence
medium

The app has 0% chart score and is not ranked in either the global or category charts, which reduces algorithmic momentum and organic exposure.

Target loan tracker
high

The winnable keyword "loan tracker" has traffic 54, difficulty 50 and an excellent KEI of 1.08. Adding this exact phrase to the short/long description and creating a dedicated screenshot can push the app into the top 20 results.

Add car loan tracker
high

"car loan tracker" (traffic 20, difficulty 28, KEI 0.71) is a low‑difficulty, good‑KEI term not currently ranked. Incorporate it naturally in the description and use it as a headline in a new screenshot to capture this niche search.

Refresh title & short description
medium

Google Play does not have a separate keyword field, so the title (≤30 chars) and short description are critical. A revised title such as "Carpay – Auto Loan Tracker & Manager" and a short description that includes "loan manager" and "auto finance" will surface the app for those high‑KEI keywords without exceeding length limits.

Key Action Items
Priority actions to improve your app's visibility
  • 1Update the app title to include "Auto Loan Tracker" (max 30 chars) and add "loan manager" and "auto finance" to the short description.
  • 2Rewrite the long description to naturally embed the top‑KEI keywords: loan tracker, car loan tracker, loan manager, auto finance, and related long‑tail variants.
  • 3Create 2‑3 new screenshots highlighting loan tracking features and label them with the new keywords to improve relevance signals.
  • 4Run an A/B test on the updated title/description and new screenshots to measure install lift, aiming for at least a 10% increase in conversion rate.
  • 5Monitor ranking for "car loan" (currently #34) and push it into the top 20 by adding a FAQ section that includes the phrase and by encouraging user reviews that mention "car loan".

ASO Insights

Actionable recommendations to improve your visibility

Strengths
What you're doing well

Strong visual presence

15 screenshots give users a comprehensive view of your app.

Recently updated

Your app was updated recently, signaling active maintenance to users and stores.

Areas to Improve
Issues to address

Short description

Your app description is only 377 characters. A longer description (1500-4000 chars) improves discoverability and conversion.

Suggestions
Opportunities to explore

Not in category top charts

Improving ratings and downloads can help reach category top charts.

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Audit FAQ

Common questions about this ASO audit.

What is the ASO visibility score of Carpay?

Carpay has a visibility score of 42 out of 100 on the Google Play (US). The score combines keyword rankings, top charts presence, and listing quality signals like rating and update recency. This audit was generated on June 12, 2026.

On how many keywords does Carpay rank?

Carpay is tracked on 10 keywords in this audit. It currently ranks in the top 100 for 4 keywords, with 2 keywords reaching the top 10. Ranking in the top 10 is where most discovery traffic happens.

Who are the main competitors of Carpay?

Based on shared keyword rankings, the most frequent competitors of Carpay are CarCard, Car Loan EMI Calculator, Cash Advance App - Capy Loan. These apps appear next to Carpay on the keywords it ranks for, which makes them the most direct opportunities for ASO benchmarking.

What category is Carpay in on the Google Play?

Carpay is listed in the Finance category on the Google Play.

How can Carpay improve its App Store Optimization?

Based on this audit, Carpay should focus on the keywords where it ranks 11 to 50 (closest to the top 10), benchmark its title and subtitle against the most frequent competitors, and refresh its listing regularly to maintain quality signals. The full audit lists specific weaknesses, opportunities, and AI-generated suggestions tailored to Carpay.

How was this ASO audit generated?

This audit was generated automatically by Applyra by scraping public Google Play data: app metadata, keyword rankings, category positions, and competitor listings. Visibility, keyword and listing quality scores are computed from those signals. Audits are free and do not require an Applyra account.