# M36 vs Monicredit

The clearest difference is device support: Monicredit at 3 against M36's 1. On price, update cadence, 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.

M36 ships an update every 5 weeks, Monicredit every 6 weeks. The most recent releases landed on August 15, 2026 and September 9, 2026 respectively.

## The numbers

| Metric | M36 | Monicredit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.0 (7 ratings)](https://appshunter.io/ios/app/m36/id1473487545/reviews)** | — |
| Number of ratings | **7** | — |
| Positive reviews | 60.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 6 weeks |
| Monetization | Ad-supported | — |
| Size | 210 MB | 106 MB |
| Requires iOS | 16.3 | **15.5** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 17+ | 17+ |
| Developer | [Union Bank of Nigeria Plc](https://appshunter.io/developer/950990898) | [Autocredit Technology Solutions](https://appshunter.io/developer/1719956469) |

## What reviewers say

### M36

[App page](https://appshunter.io/ios/app/m36/id1473487545)

Manage your wealth and investments with personalized online products and services. Access loans, travel allowances, and estate planning. Offers a 24/7 digital concierge and investment advisors.

**Highlights:** Personalized investment products, Digital concierge service 24/7, Investment advisors, Loans and asset-backed financing, Estate planning services, Wealth management by invitation

**Features:** Vision Pro support

**In-app purchases:** none


### Monicredit

[App page](https://appshunter.io/ios/app/monicredit/id6473829350)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is M36 free?

M36 is free to download, with no in-app purchases.

### Is Monicredit free?

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

### Do M36 or Monicredit have ads?

Neither M36 nor Monicredit shows ads.

### Which is updated more often, M36 or Monicredit?

M36 ships an update every 5 weeks, and Monicredit every 6 weeks. Most recently, M36 was updated on August 15, 2026 and Monicredit on September 9, 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.*