# SmartMoney. vs CrediQ App

The clearest difference is rating: SmartMoney. at 2.6 against CrediQ App's 2.0. SmartMoney. also leads on iOS requirement (11.0 vs 16.0). CrediQ App's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, review sentiment, ratings volume and update cadence there is nothing between them.

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

SmartMoney. holds the better App Store score, 2.6 against 2.0. Both are backed by a comparable volume of ratings — 5 and 4 respectively. Written reviews split almost evenly too, at 0% and 0% positive.

SmartMoney. ships an update every 3 months, CrediQ App every 2 months. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | SmartMoney. | CrediQ App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (5 ratings)](https://appshunter.io/ios/app/smartmoney/id1408882586/reviews)** | [2.0 (4 ratings)](https://appshunter.io/ios/app/crediq-app/id1642578521/reviews) |
| Number of ratings | **5** | 4 |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Ad-supported | **Free** |
| Size | 96 MB | 69 MB |
| Requires iOS | **11.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Lafise](https://appshunter.io/developer/506196965) | [CREDI Q](https://appshunter.io/developer/1067115390) |

## What reviewers say

### SmartMoney.

[App page](https://appshunter.io/ios/app/smartmoney/id1408882586)

This finance app allows users to make payments and purchases at affiliated merchants by linking credit, debit, or prepaid Visa or MasterCard. Payments are authorized using a personalized 4-digit PIN after scanning a QR code at the point of sale.

**Highlights:** QR code scanning for payments, Link credit, debit, or prepaid cards, Personalized 4-digit PIN authorization, Supports Visa and MasterCard, View affiliated merchants

**In-app purchases:** none


### CrediQ App

[App page](https://appshunter.io/ios/app/crediq-app/id1642578521)

Manage your loans and account balances instantly with this financial tool. Make secure online payments using your credit card and browse available vehicles from the dealership.

**Highlights:** Instant loan balance checks, Online credit card payments, View available vehicles, Account balance inquiries, Secure payment processing

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

**In-app purchases:** none


## Frequently asked questions

### Is SmartMoney. free?

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

### Is CrediQ App free?

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

### Which has better reviews, SmartMoney. or CrediQ App?

SmartMoney. is rated higher. SmartMoney. averages 2.6 out of 5 from 5 ratings, while CrediQ App averages 2.0 from 4 ratings.

### Do SmartMoney. or CrediQ App have ads?

SmartMoney. shows ads; CrediQ App does not.

### Which is updated more often, SmartMoney. or CrediQ App?

SmartMoney. ships an update every 3 months, and CrediQ App every 2 months. Most recently, SmartMoney. was updated on October 21, 2026 and CrediQ App on October 24, 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.*