# myghpay vs LoanTap

The clearest difference is update cadence: LoanTap at every 11 days against myghpay's every 8 months. LoanTap also leads on rating (5.0 vs 4.7) and review sentiment (65% vs 45%). myghpay's advantage is ratings volume (325 vs 2). 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.

LoanTap holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: myghpay has 325 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 45% of myghpay's written reviews are positive against 65% of LoanTap's.

myghpay ships an update every 8 months, LoanTap every 11 days. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | myghpay | LoanTap |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (325 ratings)](https://appshunter.io/ios/app/myghpay/id1245112133/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/loantap/id1461444558/reviews)** |
| Number of ratings | **325** | 2 |
| Positive reviews | 45.5% of reviews | **65.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 8 months | **Every 11 days** |
| Monetization | Free | Free |
| Size | 46 MB | 76 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [GUARANTY TRUST BANK GHANA LTD](https://appshunter.io/developer/1245112132) | [Loantap Financial Technologies Pvt. Ltd.](https://appshunter.io/developer/1461444557) |

## What reviewers say

### myghpay

[App page](https://appshunter.io/ios/app/myghpay/id1245112133)

This app facilitates secure and fast payments for a wide range of goods and services using your mobile money, cards, or bank account. It offers convenient features like remembering favorites and biometric authorization for seamless transactions.

**Highlights:** Mobile money payments, Card payments (Visa/Mastercard), Bank account payments, Biometric authorization (Face ID, biometrics, PIN), Receipt generation, Payment for utilities and subscriptions, Money transfers

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy and convenient to access
- 🚀 Fast and reliable for payments
- 👍 User-friendly and simple interface
- 👍 Cheapest transaction fees
- 👍 Less charges, easy to transfer

**What reviewers complain about**

- 🐛 Transactions stuck on pending
- 🐛 Deducted money not reflected
- 🐛 Scam app allegations
- ❌ No support available
- 🐛 App acting funny

**Reported bugs**

- Transactions stuck on pending for days
- Deducted money not reflected in account
- App automatically signs out and invalidates credentials
- App crashes on opening
- Updates to wallet payment on app does not reflect on website and vice versa

**Requested features**

- Allow adding back deleted saved numbers sooner than a month
- Add Visa debit card payment option
- Fix inability to go back after clicking buy airtime


### LoanTap

[App page](https://appshunter.io/ios/app/loantap/id1461444558)

Access fast, flexible personal loans designed for salaried professionals. Choose from various repayment plans to suit your financial needs and get funds quickly with minimal documentation. Apply digitally from anywhere.

**Highlights:** Fast loan disbursal (24 hours), Flexible repayment plans, Customized personal loans, Minimal documentation, Contactless digital application, Multiple loan solutions

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

**In-app purchases:** none


## Frequently asked questions

### Is myghpay free?

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

### Is LoanTap free?

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

### Which has better reviews, myghpay or LoanTap?

LoanTap is rated higher. myghpay averages 4.7 out of 5 from 325 ratings, while LoanTap averages 5.0 from 2 ratings.

### Do myghpay or LoanTap have ads?

Neither myghpay nor LoanTap shows ads.

### Which is updated more often, myghpay or LoanTap?

myghpay ships an update every 8 months, and LoanTap every 11 days. Most recently, myghpay was updated on November 2, 2026 and LoanTap on November 3, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*