# PayPay銀行　ローン vs 三井住友カード VポイントPay  バーチャルプリペイド

The clearest difference is ratings volume: PayPay銀行　ローン at 12K against 三井住友カード VポイントPay  バーチャルプリペイド's 69. PayPay銀行　ローン also leads on review sentiment (31% vs 9%) and monetization model (free vs ad-supported). On price, rating, update cadence 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.

PayPay銀行　ローン holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: PayPay銀行　ローン has 12K ratings behind it against 69, so its average is the more settled of the two. Written reviews point the same way: 31% of PayPay銀行　ローン's written reviews are positive against 9% of 三井住友カード VポイントPay  バーチャルプリペイド's.

PayPay銀行　ローン ships an update every 6 months, 三井住友カード VポイントPay  バーチャルプリペイド every 4 months. The most recent releases landed on September 28, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | PayPay銀行　ローン | 三井住友カード VポイントPay  バーチャルプリペイド |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (12K ratings)](https://appshunter.io/ios/app/paypay/id1474784110/reviews)** | [4.4 (69 ratings)](https://appshunter.io/ios/app/vpay/id1504833985/reviews) |
| Number of ratings | **12K** | 69 |
| Positive reviews | **30.6% of reviews** | 9.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 4 months** |
| Monetization | **Free** | Ad-supported |
| Size | 52 MB | 41 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PayPay Bank Corporation](https://appshunter.io/developer/645873249) | [三井住友カード株式会社](https://appshunter.io/developer/838138455) |

## What reviewers say

### PayPay銀行　ローン

[App page](https://appshunter.io/ios/app/paypay/id1474784110)

Access loans quickly and easily through this banking app. Log in with patterns or biometrics, apply for loans, and manage your borrowing and repayment all from your smartphone. Receive push notifications for repayment reminders.

**Highlights:** Pattern and biometric login, In-app loan application, Upload identification and income documents, Check loan application status, View available credit limits, Additional borrowing and repayment, Repayment date push notifications

**In-app purchases:** none


### 三井住友カード VポイントPay  バーチャルプリペイド

[App page](https://appshunter.io/ios/app/vpay/id1504833985)

This app allows you to use your accumulated V Points for payments at Visa and iD merchants, both in-store and online. You can easily register, charge your points, and even link credit cards or bank accounts for seamless transactions. It also offers features to earn more points and manage your spending securely.

**Highlights:** Use V Points for payments, Charge points from credit cards/bank accounts, Apple Pay and iD compatible, Online shopping payments, Earn points at V Point partners, View transaction history, Temporary payment suspension

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PayPay銀行　ローン free?

PayPay銀行　ローン is free to download, with no in-app purchases.

### Is 三井住友カード VポイントPay  バーチャルプリペイド free?

三井住友カード VポイントPay  バーチャルプリペイド is free to download, with no in-app purchases.

### Which has better reviews, PayPay銀行　ローン or 三井住友カード VポイントPay  バーチャルプリペイド?

PayPay銀行　ローン is rated higher. PayPay銀行　ローン averages 4.6 out of 5 from 12K ratings, while 三井住友カード VポイントPay  バーチャルプリペイド averages 4.4 from 69 ratings.

### Do PayPay銀行　ローン or 三井住友カード VポイントPay  バーチャルプリペイド have ads?

Neither PayPay銀行　ローン nor 三井住友カード VポイントPay  バーチャルプリペイド shows ads.

### Which is updated more often, PayPay銀行　ローン or 三井住友カード VポイントPay  バーチャルプリペイド?

PayPay銀行　ローン ships an update every 6 months, and 三井住友カード VポイントPay  バーチャルプリペイド every 4 months. Most recently, PayPay銀行　ローン was updated on September 28, 2026 and 三井住友カード VポイントPay  バーチャルプリペイド on September 26, 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.*