# SimpleDirect Financing vs Payday Loans

The clearest difference is rating: SimpleDirect Financing at 5.0 against Payday Loans's 1.4. SimpleDirect Financing also leads on update cadence (fortnightly vs every 34 months). Payday Loans's advantage is ratings volume (9 vs 1) and iOS requirement (13.4 vs 15.1). 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.

SimpleDirect Financing holds the better App Store score, 5.0 against 1.4. That said, the two scores are not equally well evidenced: Payday Loans has 9 ratings behind it against 1, so its average is the more settled of the two.

SimpleDirect Financing ships an update fortnightly, Payday Loans every 34 months. The most recent releases landed on October 19, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | SimpleDirect Financing | Payday Loans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/simpledirect-financing/id1487540329/reviews)** | [1.4 (9 ratings)](https://appshunter.io/ios/app/payday-loans/id1511832987/reviews) |
| Number of ratings | 1 | **9** |
| Positive reviews | — | 75.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 34 months |
| Monetization | Free | Free |
| Size | 31 MB | 24 MB |
| Requires iOS | 15.1 | **13.4** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Onic Systems, Inc.](https://appshunter.io/developer/1487540328) | [TaxCash Pay It Forward](https://appshunter.io/developer/1511832986) |

## 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


### Payday Loans

[App page](https://appshunter.io/ios/app/payday-loans/id1511832987)

Access quick cash advances and personal loans directly from your smartphone, even with bad credit. Apply in minutes for urgent financial needs, with transparent terms and a user-friendly interface.

**Highlights:** Apply for loans anytime, No credit check required, Bad credit accepted, Quick cash advances, Transparent terms, Easy application process

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is SimpleDirect Financing free?

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

### Is Payday Loans free?

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

### Which has better reviews, SimpleDirect Financing or Payday Loans?

SimpleDirect Financing is rated higher. SimpleDirect Financing averages 5.0 out of 5 from 1 ratings, while Payday Loans averages 1.4 from 9 ratings.

### Do SimpleDirect Financing or Payday Loans have ads?

Neither SimpleDirect Financing nor Payday Loans shows ads.

### Which is updated more often, SimpleDirect Financing or Payday Loans?

SimpleDirect Financing ships an update fortnightly, and Payday Loans every 34 months. Most recently, SimpleDirect Financing was updated on October 19, 2026 and Payday Loans on October 21, 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.*