# Valu vs Klivvr

The clearest difference is rating: Klivvr at 3.6 against Valu's 3.3. Klivvr also leads on update cadence (every 10 days vs every 5 weeks) and review sentiment (30% vs 13%). Valu's advantage is ratings volume (458 vs 55). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Klivvr holds the better App Store score, 3.6 against 3.3. That said, the two scores are not equally well evidenced: Valu has 458 ratings behind it against 55, so its average is the more settled of the two. Written reviews point the same way: 13% of Valu's written reviews are positive against 30% of Klivvr's.

Valu ships an update every 5 weeks, Klivvr every 10 days. The most recent releases landed on October 26, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Valu | Klivvr |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (458 ratings)](https://appshunter.io/ios/app/valu/id1199345579/reviews) | **[3.6 (55 ratings)](https://appshunter.io/ios/app/klivvr/id1586109111/reviews)** |
| Number of ratings | **458** | 55 |
| Positive reviews | 12.7% of reviews | **30.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 10 days** |
| Monetization | Free | Free |
| Size | 180 MB | 219 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [EFG Hermes](https://appshunter.io/developer/680273409) | [Klivvr](https://appshunter.io/developer/1579884673) |

## What reviewers say

### Valu

[App page](https://appshunter.io/ios/app/valu/id1199345579)

This app offers a comprehensive suite of digital financial solutions, including Buy Now Pay Later, instant cash redemption, savings, and investment products. It aims to empower individuals and businesses with financial inclusion through a single, powerful platform.

**Highlights:** Buy Now Pay Later (BNPL), Instant cash redemption, Savings solutions, Investment products, B2B financial services, Digitized financial products

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

**In-app purchases:** none

**What reviewers like**

- 💡 Innovative installment payment concept
- ⚡ Instant approval for eligible customers
- 🛍️ Exclusive offers and partnerships
- 👍 Easy registration process for some users
- 🎯 Lifestyle enablement through flexible payments

**What reviewers complain about**

- 💸 Hidden fees and excessive charges
- 📈 High interest rates (35-40%)
- 🐢 Extremely slow app performance
- 😤 Poor customer service quality
- 🔒 Privacy and security concerns

**Reported bugs**

- App crashes when capturing photos in Invoice Now
- App crashes when clicking multiple items in succession
- Extremely slow loading times
- App fails to load after updates
- Login/sign-up OTP code failures

**Requested features**

- Auto calculator for installment planning
- Early debt settlement option
- Partial payment functionality
- Better product browsing and online purchasing
- Improved Arabic language support


### Klivvr

[App page](https://appshunter.io/ios/app/klivvr/id1586109111)

Manage your spending, credit, and rewards with this comprehensive financial app. It offers instant credit limits, flexible repayment plans, and a prepaid card for everyday use. The family feature allows for shared accounts and controlled spending for multiple users.

**Highlights:** Instant credit limit up to 500,000 EGP, Flexible repayment plans up to 60 months, Prepaid card for everyday spending, Earn and redeem K.Points for cashback, Family accounts with spending permissions, Real-time spending tracking

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Valu free?

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

### Is Klivvr free?

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

### Which has better reviews, Valu or Klivvr?

Klivvr is rated higher. Valu averages 3.3 out of 5 from 458 ratings, while Klivvr averages 3.6 from 55 ratings.

### Do Valu or Klivvr have ads?

Neither Valu nor Klivvr shows ads.

### Which is updated more often, Valu or Klivvr?

Valu ships an update every 5 weeks, and Klivvr every 10 days. Most recently, Valu was updated on October 26, 2026 and Klivvr on October 30, 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.*