# LoanTap vs Instantpay

The clearest difference is review sentiment: LoanTap at 65% against Instantpay's 0%. LoanTap also leads on rating (3.7 vs 1.1) and update cadence (every 11 days vs monthly). Instantpay's advantage is ratings volume (19 vs 3). 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, 3.7 against 1.1. That said, the two scores are not equally well evidenced: Instantpay has 19 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 65% of LoanTap's written reviews are positive against 0% of Instantpay's.

LoanTap ships an update every 11 days, Instantpay monthly. The most recent releases landed on October 8, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | LoanTap | Instantpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (3 ratings)](https://appshunter.io/ios/app/loantap/id1461444558/reviews)** | [1.1 (19 ratings)](https://appshunter.io/ios/app/instantpay/id6444669672/reviews) |
| Number of ratings | 3 | **19** |
| Positive reviews | **65.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 11 days** | Monthly |
| Monetization | Free | Free |
| Size | 76 MB | 94 MB |
| Requires iOS | 15.1 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Loantap Financial Technologies Pvt. Ltd.](https://appshunter.io/developer/1461444557) | [Instantpay India Limited](https://appshunter.io/developer/945609486) |

## What reviewers say

### 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


### Instantpay

[App page](https://appshunter.io/ios/app/instantpay/id6444669672)

A comprehensive business banking solution designed to streamline financial operations. Manage accounts, process payments, track expenses, and access loans all in one digital platform. Ideal for businesses of all sizes seeking efficient money management.

**Highlights:** Smart current account for simplified banking, Connect and manage existing bank accounts, Send and receive payments via all methods, Bulk payouts and one-click payments, Payment links and QR code collections, Contactless cards for expense management, Collateral-free business loans

**In-app purchases:** none


## Frequently asked questions

### Is LoanTap free?

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

### Is Instantpay free?

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

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

LoanTap is rated higher. LoanTap averages 3.7 out of 5 from 3 ratings, while Instantpay averages 1.1 from 19 ratings.

### Do LoanTap or Instantpay have ads?

Neither LoanTap nor Instantpay shows ads.

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

LoanTap ships an update every 11 days, and Instantpay monthly. Most recently, LoanTap was updated on October 8, 2026 and Instantpay on October 3, 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.*