# PayPay銀行　ローン vs dスマホローン　ドコモのアプリローンでキャッシング・お借入れ

The clearest difference is monetization model: PayPay銀行　ローン at free against dスマホローン　ドコモのアプリローンでキャッシング・お借入れ's free with in-app purchases. PayPay銀行　ローン also leads on iOS requirement (13.0 vs 15.0). dスマホローン　ドコモのアプリローンでキャッシング・お借入れ's advantage is review sentiment (42% vs 31%). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.6 for PayPay銀行　ローン against 4.7 for dスマホローン　ドコモのアプリローンでキャッシング・お借入れ. Both are backed by a comparable volume of ratings — 12K and 8.1K respectively. Written reviews are what separate them: 31% of PayPay銀行　ローン's written reviews are positive against 42% of dスマホローン　ドコモのアプリローンでキャッシング・お借入れ's.

Both ship on a similar rhythm, roughly every 6 months. Both last shipped on September 28, 2026.

## The numbers

| Metric | PayPay銀行　ローン | dスマホローン　ドコモのアプリローンでキャッシング・お借入れ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (12K ratings)](https://appshunter.io/ios/app/paypay/id1474784110/reviews) | **[4.7 (8.1K ratings)](https://appshunter.io/ios/app/d/id1567353128/reviews)** |
| Number of ratings | **12K** | 8.1K |
| Positive reviews | 30.6% of reviews | **42.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | Every 6 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 52 MB | 66 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) | [株式会社NTTドコモ](https://appshunter.io/developer/396813773) |

## 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


### dスマホローン　ドコモのアプリローンでキャッシング・お借入れ

[App page](https://appshunter.io/ios/app/d/id1567353128)

This service offers a smartphone-based loan application and management process. Users can apply using their existing account and may receive preferential interest rates based on their service usage. Funds can be transferred directly to a payment balance or a bank account.

**Highlights:** Smartphone-based application and contract, Preferential interest rates based on service usage, Transfer to payment balance or bank account, Instant transfers to payment balance, 24/7 transfers to bank accounts, Flexible additional repayments, Easy usage status tracking

**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 dスマホローン　ドコモのアプリローンでキャッシング・お借入れ free?

dスマホローン　ドコモのアプリローンでキャッシング・お借入れ is free to download, with no in-app purchases.

### Which has better reviews, PayPay銀行　ローン or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ?

dスマホローン　ドコモのアプリローンでキャッシング・お借入れ is rated higher. PayPay銀行　ローン averages 4.6 out of 5 from 12K ratings, while dスマホローン　ドコモのアプリローンでキャッシング・お借入れ averages 4.7 from 8.1K ratings.

### Do PayPay銀行　ローン or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ have ads?

Neither PayPay銀行　ローン nor dスマホローン　ドコモのアプリローンでキャッシング・お借入れ shows ads.

### Which is updated more often, PayPay銀行　ローン or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ?

PayPay銀行　ローン ships an update every 6 months, and dスマホローン　ドコモのアプリローンでキャッシング・お借入れ every 6 months. Most recently, PayPay銀行　ローン was updated on September 28, 2026 and dスマホローン　ドコモのアプリローンでキャッシング・お借入れ on September 28, 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.*