# PayPay銀行　ローン vs iAEON

The clearest difference is rating: PayPay銀行　ローン at 4.6 against iAEON's 3.1. PayPay銀行　ローン also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). iAEON's advantage is update cadence (every 11 days vs every 6 months). On price, in-app purchases and device support 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 3.1. That said, the two scores are not equally well evidenced: PayPay銀行　ローン has 12K ratings behind it against 14, 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 16% of iAEON's.

PayPay銀行　ローン ships an update every 6 months, iAEON every 11 days. The most recent releases landed on September 28, 2026 and September 27, 2026 respectively.

## The numbers

| Metric | PayPay銀行　ローン | iAEON |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (12K ratings)](https://appshunter.io/ios/app/paypay/id1474784110/reviews)** | [3.1 (14 ratings)](https://appshunter.io/ios/app/iaeon/id1565489157/reviews) |
| Number of ratings | **12K** | 14 |
| Positive reviews | **30.6% of reviews** | 15.8% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 6 months | **Every 11 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 52 MB | 206 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [PayPay Bank Corporation](https://appshunter.io/developer/645873249) | [イオンスマートテクノロジー株式会社](https://appshunter.io/developer/1565489159) |

## 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


### iAEON

[App page](https://appshunter.io/ios/app/iaeon/id1565489157)

Manage AEON points, coupons, and electronic receipts all in one place. Enjoy smart shopping with AEON Pay and track your purchases digitally, eliminating the need for physical receipts.

**Highlights:** AEON Pay for QR/barcode payments, WAON POINT management and consolidation, Favorite store registration for exclusive offers, Digital receipts for purchase history, Mobile payment with WAON Touch, Cash recharge for AEON Pay

**Features:** Apple Wallet

**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 iAEON free?

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

### Which has better reviews, PayPay銀行　ローン or iAEON?

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 iAEON averages 3.1 from 14 ratings.

### Do PayPay銀行　ローン or iAEON have ads?

iAEON shows ads; PayPay銀行　ローン does not.

### Which is updated more often, PayPay銀行　ローン or iAEON?

PayPay銀行　ローン ships an update every 6 months, and iAEON every 11 days. Most recently, PayPay銀行　ローン was updated on September 28, 2026 and iAEON on September 27, 2026.

---

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