# flateXSecure vs Ford Credit

flateXSecure and Ford Credit both sit at 4.5 stars, but that hides the real split: 85% of flateXSecure's written reviews are positive against 28% of Ford Credit's. flateXSecure also leads on device support (3 vs 1) and iOS requirement (12.0 vs 18.0). Ford Credit's advantage is update cadence (every 3 weeks vs every 5 months) and ratings volume (1.2K vs 84). 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 — 4.5 for flateXSecure against 4.5 for Ford Credit. That said, the two scores are not equally well evidenced: Ford Credit has 1.2K ratings behind it against 84, so its average is the more settled of the two. Written reviews are what separate them: 85% of flateXSecure's written reviews are positive against 28% of Ford Credit's.

flateXSecure ships an update every 5 months, Ford Credit every 3 weeks. The most recent releases landed on September 24, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | flateXSecure | Ford Credit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (84 ratings)](https://appshunter.io/ios/app/flatexsecure/id1174476178/reviews) | [4.5 (1.2K ratings)](https://appshunter.io/ios/app/ford-credit/id1523100320/reviews) |
| Number of ratings | 84 | **1.2K** |
| Positive reviews | **84.9% of reviews** | 28.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 10 MB | 59 MB |
| Requires iOS | **12.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [flatexDEGIRO SE](https://appshunter.io/developer/638392948) | [FORD MOTOR CREDIT COMPANY LLC](https://appshunter.io/developer/695169832) |

## What reviewers say

### flateXSecure

[App page](https://appshunter.io/ios/app/flatexsecure/id1174476178)

Securely authorize transactions without an iTAN card. Receive TANs directly on your smartphone or tablet via the app. Get important notifications through push messages.

**Highlights:** Secure transaction authorization, iTAN card alternative, Receive TANs on smartphone/tablet, Push notifications, Choose authorization method

**In-app purchases:** none


### Ford Credit

[App page](https://appshunter.io/ios/app/ford-credit/id1523100320)

Manage your Ford Credit account conveniently from your mobile device. Make payments, view statements, and update your account details with secure, biometrics-enabled sign-in. Access all features easily on the go.

**Highlights:** Make same-day and scheduled payments, Request payment extensions and due date changes, Get payoff quotes, View statements and transaction history, Manage bank accounts, View lease mileage and vehicle details, Biometric sign-in and dark mode

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and easy to use
- 👍 Convenient payment options
- 💡 Helpful features like mileage tracking
- 🚀 Seamless integration with Ford account

**What reviewers complain about**

- 🐛 Frequent crashes and login issues
- 🔒 Privacy concerns with vehicle tracking
- 👎 Poor customer support and unresponsive developers
- 🔍 Confusing and inconsistent user experience

**Reported bugs**

- App not compatible with certain iOS versions
- Scheduled payments not working as expected
- Inaccurate vehicle information displayed
- Persistent issues with app functionality

**Requested features**

- Improved authentication process without constant re-logins
- Support for commercial/business accounts
- Ability to opt out of vehicle data tracking
- Expanded payment scheduling options


## Frequently asked questions

### Is flateXSecure free?

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

### Is Ford Credit free?

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

### Which has better reviews, flateXSecure or Ford Credit?

flateXSecure and Ford Credit are both rated 4.5 out of 5 on the App Store, from 84 and 1.2K ratings respectively.

### Do flateXSecure or Ford Credit have ads?

Neither flateXSecure nor Ford Credit shows ads.

### Which is updated more often, flateXSecure or Ford Credit?

flateXSecure ships an update every 5 months, and Ford Credit every 3 weeks. Most recently, flateXSecure was updated on September 24, 2026 and Ford Credit on September 25, 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.*