# PayPay銀行　ローン vs region PAY

The clearest difference is update cadence: region PAY at every 3 weeks against PayPay銀行　ローン's every 6 months. PayPay銀行　ローン's advantage is review sentiment (31% vs 6%) and iOS requirement (13.0 vs 15.0). 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.

PayPay銀行　ローン ships an update every 6 months, region PAY every 3 weeks. The most recent releases landed on September 28, 2026 and September 29, 2026 respectively.

## The numbers

| Metric | PayPay銀行　ローン | region PAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (12K ratings)](https://appshunter.io/ios/app/paypay/id1474784110/reviews)** | — |
| Number of ratings | **12K** | — |
| Positive reviews | **30.6% of reviews** | 5.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 52 MB | 14 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) | [GiftPad](https://appshunter.io/developer/1576517854) |

## 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


### region PAY

[App page](https://appshunter.io/ios/app/region-pay/id1576517852)

Participate in local campaigns for advantageous shopping and easily make payments by scanning QR codes. Manage multiple regions within a single app for a streamlined experience.

**Highlights:** Participate in local campaigns, Advantageous shopping experiences, Add multiple regions within the app, Scan QR codes for payments, Enter payment amounts via app

**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 region PAY free?

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

### Do PayPay銀行　ローン or region PAY have ads?

Neither PayPay銀行　ローン nor region PAY shows ads.

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

PayPay銀行　ローン ships an update every 6 months, and region PAY every 3 weeks. Most recently, PayPay銀行　ローン was updated on September 28, 2026 and region PAY on September 29, 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.*