# atone (アトネ) 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 update cadence: atone (アトネ) at every 4 weeks 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 every 6 months. atone (アトネ) also leads on monetization model (free vs free with in-app purchases). 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 review sentiment (42% vs 32%). On price, rating, ratings volume and ads 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 atone (アトネ) against 4.7 for 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. Both are backed by a comparable volume of ratings — 20K and 8.1K respectively. Written reviews are what separate them: 32% of atone (アトネ)'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.

atone (アトネ) ships an update every 4 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 27, 2026 and September 28, 2026 respectively.

## The numbers

| Metric | atone (アトネ) | 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 | [4.6 (20K ratings)](https://appshunter.io/ios/app/atone/id1237049137/reviews) | **[4.7 (8.1K ratings)](https://appshunter.io/ios/app/d/id1567353128/reviews)** |
| Number of ratings | **20K** | 8.1K |
| Positive reviews | 32.1% of reviews | **42.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 6 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 45 MB | 66 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Net Protections,Inc.](https://appshunter.io/developer/1237049136) | [株式会社NTTドコモ](https://appshunter.io/developer/396813773) |

## What reviewers say

### atone (アトネ)

[App page](https://appshunter.io/ios/app/atone/id1237049137)

A payment service that allows you to shop without a credit card. Pay for your purchases the following month via convenience store or bank transfer. Track your spending and earn points for discounts.

**Highlights:** No credit card or registration required, Pay next month, Convenience store or bank transfer payment, View spending in app, Earn and use points, Secure post-payment for received goods

**Features:** Vision Pro support

**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 atone (アトネ) free?

atone (アトネ) 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, atone (アトネ) 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?

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 rated higher. atone (アトネ) averages 4.6 out of 5 from 20K 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 atone (アトネ) 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 atone (アトネ) 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, atone (アトネ) 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?

atone (アトネ) ships an update every 4 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, atone (アトネ) was updated on September 27, 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.*