# PayPay証券 つみたてロボ貯蓄 vs dスマホローン　ドコモのアプリローンでキャッシング・お借入れ

The clearest difference is monetization model: PayPay証券 つみたてロボ貯蓄 at free against dスマホローン　ドコモのアプリローンでキャッシング・お借入れ's free with in-app purchases. PayPay証券 つみたてロボ貯蓄 also leads on rating (5.0 vs 4.7) and update cadence (every 6 weeks vs every 6 months). dスマホローン　ドコモのアプリローンでキャッシング・お借入れ's advantage is ratings volume (8.1K vs 1). On price, review sentiment, 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.

PayPay証券 つみたてロボ貯蓄 holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: dスマホローン　ドコモのアプリローンでキャッシング・お借入れ has 8.1K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 46% of PayPay証券 つみたてロボ貯蓄's written reviews are positive against 42% of dスマホローン　ドコモのアプリローンでキャッシング・お借入れ's.

PayPay証券 つみたてロボ貯蓄 ships an update every 6 weeks, dスマホローン　ドコモのアプリローンでキャッシング・お借入れ every 6 months. The most recent releases landed on September 11, 2026 and September 28, 2026 respectively.

## The numbers

| Metric | PayPay証券 つみたてロボ貯蓄 | dスマホローン　ドコモのアプリローンでキャッシング・お借入れ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/paypay/id1207185286/reviews)** | [4.7 (8.1K ratings)](https://appshunter.io/ios/app/d/id1567353128/reviews) |
| Number of ratings | 1 | **8.1K** |
| Positive reviews | **46.0% of reviews** | 42.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 6 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 39 MB | 66 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PayPay証券株式会社](https://appshunter.io/developer/898754725) | [株式会社NTTドコモ](https://appshunter.io/developer/396813773) |

## What reviewers say

### PayPay証券 つみたてロボ貯蓄

[App page](https://appshunter.io/ios/app/paypay/id1207185286)

Start investing in carefully selected US stocks with just 1,000 yen. This app automates your investments, allowing you to set your own schedules and preferred amounts. It also handles automatic selling based on your desired price or date, making investing simple and accessible.

**Highlights:** Automated recurring investments, Start with 1,000 yen, Automatic selling by amount or date, Invest without timing concerns, Receive dividends and distributions, Link bank accounts for easy payment

**In-app purchases:** none


### dスマホローン　ドコモのアプリローンでキャッシング・お借入れ

[App page](https://appshunter.io/ios/app/d/id1567353128)

This service offers a smartphone-based loan application and management process. Users can apply using their existing account and may receive preferential interest rates based on their service usage. Funds can be transferred directly to a payment balance or a bank account.

**Highlights:** Smartphone-based application and contract, Preferential interest rates based on service usage, Transfer to payment balance or bank account, Instant transfers to payment balance, 24/7 transfers to bank accounts, Flexible additional repayments, Easy usage status tracking

**In-app purchases:** none


## Frequently asked questions

### Is PayPay証券 つみたてロボ貯蓄 free?

PayPay証券 つみたてロボ貯蓄 is free to download, with no in-app purchases.

### Is dスマホローン　ドコモのアプリローンでキャッシング・お借入れ free?

dスマホローン　ドコモのアプリローンでキャッシング・お借入れ is free to download, with no in-app purchases.

### Which has better reviews, PayPay証券 つみたてロボ貯蓄 or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ?

PayPay証券 つみたてロボ貯蓄 is rated higher. PayPay証券 つみたてロボ貯蓄 averages 5.0 out of 5 from 1 ratings, while dスマホローン　ドコモのアプリローンでキャッシング・お借入れ averages 4.7 from 8.1K ratings.

### Do PayPay証券 つみたてロボ貯蓄 or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ have ads?

Neither PayPay証券 つみたてロボ貯蓄 nor dスマホローン　ドコモのアプリローンでキャッシング・お借入れ shows ads.

### Which is updated more often, PayPay証券 つみたてロボ貯蓄 or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ?

PayPay証券 つみたてロボ貯蓄 ships an update every 6 weeks, and dスマホローン　ドコモのアプリローンでキャッシング・お借入れ every 6 months. Most recently, PayPay証券 つみたてロボ貯蓄 was updated on September 11, 2026 and dスマホローン　ドコモのアプリローンでキャッシング・お借入れ on September 28, 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.*