# Valu vs Valu Jo

The clearest difference is update cadence: Valu Jo at every 8 days against Valu's every 5 weeks. On price, ads, in-app purchases and device support there is nothing between them.

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

Valu ships an update every 5 weeks, Valu Jo every 8 days. The most recent releases landed on October 20, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Valu | Valu Jo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.3 (456 ratings)](https://appshunter.io/ios/app/valu/id1199345579/reviews)** | — |
| Number of ratings | **456** | — |
| Positive reviews | 13.1% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 8 days** |
| Monetization | Free | — |
| Size | 180 MB | 108 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [EFG Hermes](https://appshunter.io/developer/680273409) | [Valu for Payments and Technical Solutions S.A.E.](https://appshunter.io/developer/1536147386) |

## 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


### Valu Jo

[App page](https://appshunter.io/ios/app/valu-jo/id6761329552)

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

**In-app purchases:** none


## Frequently asked questions

### Is Valu free?

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

### Is Valu Jo free?

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

### Do Valu or Valu Jo have ads?

Neither Valu nor Valu Jo shows ads.

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

Valu ships an update every 5 weeks, and Valu Jo every 8 days. Most recently, Valu was updated on October 20, 2026 and Valu Jo on October 5, 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.*