# SimpleDirect Financing vs Extra

The clearest difference is ads: SimpleDirect Financing at none against Extra's shown. SimpleDirect Financing also leads on rating (5.0 vs 4.6) and monetization model (free vs free with in-app purchases). Extra's advantage is ratings volume (9.5K vs 1). On price, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SimpleDirect Financing holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Extra has 9.5K ratings behind it against 1, so its average is the more settled of the two.

SimpleDirect Financing ships an update fortnightly, Extra monthly. The most recent releases landed on October 2, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | SimpleDirect Financing | Extra |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/simpledirect-financing/id1487540329/reviews)** | [4.6 (9.5K ratings)](https://appshunter.io/ios/app/extra/id1489550124/reviews) |
| Number of ratings | 1 | **9.5K** |
| Positive reviews | — | 63.4% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 31 MB | 90 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Onic Systems, Inc.](https://appshunter.io/developer/1487540328) | [The Aligned Company](https://appshunter.io/developer/1438277172) |

## What reviewers say

### SimpleDirect Financing

[App page](https://appshunter.io/ios/app/simpledirect-financing/id1487540329)

This app enables businesses to offer fast, branded financing to their customers, simplifying the process with quick approvals and funding. It supports a wide range of credit types and loan amounts, helping businesses close more deals and grow.

**Highlights:** Offer branded financing, Fast customer approvals, Quick funding, Support for various credit types, Flexible loan options, No prepayment penalties

**Features:** macOS Compatibility

**In-app purchases:** none


### Extra

[App page](https://appshunter.io/ios/app/extra/id1489550124)

Build credit history without a traditional credit card. This debit card helps you track spending, earn rewards, and report payments to credit bureaus. Apply quickly with no credit check required.

**Highlights:** Build credit without a credit card, Earn reward points on purchases, No credit check required for application, Track purchases and spending, Exclusive app content and giveaways, Easy card management

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Game changer for building credit
- 👍 Friendly and helpful customer support
- 💡 Informative financial education videos
- 🚀 Seamless and convenient credit building
- 👍 Great for budgeting and money management

**What reviewers complain about**

- 🐛 Inconsistent bank account syncing and balance updates
- 🔒 Concerns about security and fraud protection
- 🔒 Inability to cancel subscription easily
- 🔒 Unauthorized changes made to accounts

**Reported bugs**

- Rewards page bugs and issues
- Inconsistent spend power limits and increases

**Requested features**

- Reporting to all three major credit bureaus
- Ability to cash out reward points
- Faster bank account syncing and balance updates


## Frequently asked questions

### Is SimpleDirect Financing free?

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

### Is Extra free?

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

### Which has better reviews, SimpleDirect Financing or Extra?

SimpleDirect Financing is rated higher. SimpleDirect Financing averages 5.0 out of 5 from 1 ratings, while Extra averages 4.6 from 9.5K ratings.

### Do SimpleDirect Financing or Extra have ads?

Extra shows ads; SimpleDirect Financing does not.

### Which is updated more often, SimpleDirect Financing or Extra?

SimpleDirect Financing ships an update fortnightly, and Extra monthly. Most recently, SimpleDirect Financing was updated on October 2, 2026 and Extra on October 12, 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.*