# Payday Loans Direct vs FLEX

Payday Loans Direct and FLEX both sit at 4.6 stars, but that hides the real split: 100% of FLEX's written reviews are positive against 40% of Payday Loans Direct's. FLEX also leads on update cadence (every 2 weeks vs every 28 months). Payday Loans Direct's advantage is ratings volume (302 vs 11) and iOS requirement (9.1 vs 15.6). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.6 for Payday Loans Direct against 4.7 for FLEX. That said, the two scores are not equally well evidenced: Payday Loans Direct has 302 ratings behind it against 11, so its average is the more settled of the two. Written reviews are what separate them: 40% of Payday Loans Direct's written reviews are positive against 100% of FLEX's.

Payday Loans Direct ships an update every 28 months, FLEX every 2 weeks. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Payday Loans Direct | FLEX |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (302 ratings)](https://appshunter.io/ios/app/payday-loans-direct/id1124970545/reviews) | **[4.7 (11 ratings)](https://appshunter.io/ios/app/flex-instant-payments/id6740035091/reviews)** |
| Number of ratings | **302** | 11 |
| Positive reviews | 40.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 28 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 24 MB | 151 MB |
| Requires iOS | **9.1** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Rainbow UK Ltd](https://appshunter.io/developer/444982555) | [Koinage LLC](https://appshunter.io/developer/1558567429) |

## What reviewers say

### Payday Loans Direct

[App page](https://appshunter.io/ios/app/payday-loans-direct/id1124970545)

Access quick cash with a simple application process. Borrow up to £1,000 directly to your account, available 24/7, with no phone calls or faxes required. Get funds quickly without upfront fees.

**Highlights:** Borrow up to £1,000, Quick application, Available 24/7, No phone calls or faxes, No upfront fees, No obligation to accept

**Features:** macOS Compatibility

**In-app purchases:** none


### FLEX

[App page](https://appshunter.io/ios/app/flex-instant-payments/id6740035091)

Send and receive money instantly in Nigeria using a unique PayTag. Easily pay merchants via QR codes or directly in the app, and request funds with notes for clear tracking. Upgrade your tier for higher limits and enhanced features.

**Highlights:** Instant money sending and receiving, Pay with PayTag, Merchant QR code payments, Request money with notes, Tiered verification for higher limits, Real-time transaction tracking, In-app support

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

**In-app purchases:** none


## Frequently asked questions

### Is Payday Loans Direct free?

Payday Loans Direct is free to download, with no in-app purchases.

### Is FLEX free?

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

### Which has better reviews, Payday Loans Direct or FLEX?

FLEX is rated higher. Payday Loans Direct averages 4.6 out of 5 from 302 ratings, while FLEX averages 4.7 from 11 ratings.

### Do Payday Loans Direct or FLEX have ads?

Neither Payday Loans Direct nor FLEX shows ads.

### Which is updated more often, Payday Loans Direct or FLEX?

Payday Loans Direct ships an update every 28 months, and FLEX every 2 weeks. Most recently, Payday Loans Direct was updated on November 6, 2026 and FLEX on November 4, 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.*