SimpleDirect Financing vs Bloom
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SimpleDirect Financing
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.
- Offer branded financing
- Fast customer approvals
- Quick funding
- Support for various credit types
- Flexible loan options
- No prepayment penalties
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Offer Flexible Financing, Close More Deals — All in One App SimpleDirect Financing helps contractors, clinics, and service businesses offer fast, branded financing to their customers — without the paperwork, delays, or high fees of traditional providers. Why SimpleDirect Financing? Set Up in Seconds: No tax returns or bank statements. Just log in and start offering financing instantly. Fast Approvals & Funding: Your customers can get approved in under 60 seconds, and funded in 1–3 business days. Dedicated Support: Every account comes with a personal Account Manager to help you succeed. What Your Customers Get Options for All Credit Types: We support credit scores from 560 and up — with competitive rates and flexible terms. No Prepayment Penalties: Your customers can pay early with no fees or hidden charges. Multiple Loan Options: Let your customers choose what works best for them — from $1,000 to $100,000. Perfect For: - Home improvement contractors - Health & wellness providers - Auto repair shops - Education & coaching platforms - Any service business offering big-ticket services Download SimpleDirect Pro today and start offering built-in financing that helps your business grow — while giving your customers the power to say “yes” more often.
Bloom
This app teaches users how to invest through interactive lessons and offers a platform to buy stocks and ETFs. Users can earn rewards, compete in tournaments, and build wealth with features like fractional shares and auto-portfolios.
- Interactive financial lessons
- Invest in 5,000+ stocks/ETFs
- Fractional shares from $1
- Earn stock rewards
- Mock investing tournaments
- Auto-Portfolios
- Parental controls for teens
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Introducing Bloom, the investing app that TEACHES you how to invest! Whether you’re a young adult striving for financial freedom or a teen looking to get a head start on your financial journey, Bloom is your destination to learn, earn, and invest to grow your wealth and knowledge. Join our community of 2 MILLION+ Bloomers learning & investing on Bloom, and take control of your financial future today. LEARN - 10,000+ bite-sized, interactive financial lessons on critical topics like investing, stocks, credit & more! - Start out with “investing basics”, then build your knowledge through more advanced lessons on concepts like diversification, dollar cost averaging, fundamental analysis, financial metrics and more! - Learn how to evaluate stocks, read financial numbers, construct your portfolio & build long-term wealth - Test your knowledge with quick quizzes and earn stock rewards - With new lessons released every week, you’ll always be able to learn something new! INVEST - Open a real investing account in just a few minutes so you invest in 5,000+ stocks / ETFs and start building your wealth! - $0 commissions when you trade stocks and ETFs on Bloom! - Automatically copy the investments of top politicians and billionaires with Auto-Portfolios! - Fractional shares - start investing with as little as $1! - Set up investing strategies with conditional and recurring orders - Easy, instant deposits from bank accounts & debit cards + no-fee withdrawals so you can get your money when you need it - Set price alerts on your favorite stocks to track their price movement - Your account is SIPC insured up to $500,000 and protected by bank-grade encryption & authentication - Teens 13 - 17 can start investing on Bloom with parental approval through our UTMA/UTGMA custodial accounts EARN - Complete your first lesson & earn up to $75 in free stocks! - Earn “Oinks” for completing financial lessons & quizzes - Compete in mock investing tournaments against other Bloomers to earn REAL cash prizes! - Exchange Oinks for real stock rewards! - Play games like “Guess the Stock”, “Card Game”, and the “Mystery Wheel” to earn Oinks - Complete “Quests” like buying your first stock, sharing Bloom with friends & more to earn even more Oinks! - Guess which stock will perform better each day with "Bulls vs Bears" and earn Oinks! —— FOR PARENTS OF TEENS Investing is the most effective way to build long-term wealth, but most teens don’t learn about investing or finance in school. Bloom teaches your child about these important concepts with 300+ interactive, world-class financial lessons + a real investing account with industry-leading parental controls. - Bloom allows you to open a UTMA/UGMA custodial brokerage account for your child in just a few minutes! Plus, our custodial accounts automatically transfer to your teen when they turn 18 - 25, depending on your state of residence. With parental controls & options, you can be as involved in your teen’s financial journey as you’d like - Approve your teen's stock trades through the Bloom app, or turn on automatic approvals - View your teen's progress on their financial lessons - Control which assets your teen can buy and sell - Monitor your teen's investments & returns - Don’t want your teen investing yet? No problem — start them out with the lessons, and open a brokerage account whenever you feel comfortable! Flexible, safe funding options - Add funds to your teen's investing account with a bank account or debit card with as little as $1 — or allow them to fund their own account - Set up an allowance directly on Bloom to make recurring deposits to your child’s investing account - Withdraw funds from your child’s account at any time - Your account is SIPC insured up to $500,000 and protected by bank-grade encryption & authentication - Have more than one teen? We’ve got you covered — add up to 5 teens to your account with no additional cost!
Screenshots
Verdict
The clearest difference is monetization model: SimpleDirect Financing at free against Bloom's free with in-app purchases. SimpleDirect Financing also leads on rating (5.0 vs 4.8) and update cadence (fortnightly vs monthly). Bloom's advantage is ratings volume (47K vs 1). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
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 4.8. That said, the two scores are not equally well evidenced: Bloom has 47K ratings behind it against 1, so its average is the more settled of the two.
SimpleDirect Financing ships an update fortnightly, Bloom monthly. The most recent releases landed on October 19, 2026 and November 1, 2026 respectively.
| Parameter | SimpleDirect Financing | Bloom |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.8 (47K ratings) |
| Positive reviews | — | 88.6% of reviews |
| Number of ratings | 1 | 47K — better |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 31 MB | 141 MB |
| Age rating | 4+ | 12+ |
| Developer | Onic Systems, Inc. | Contour Labs, Inc. |
Customer experience
SimpleDirect Financing
Bloom
Bugs and requests
SimpleDirect Financing
Not enough reviews yet to summarise bugs or requests.
Bloom
Reported bugs
3 issues- Inconsistent stock price data
- Issues with account setup and verification
- Unreliable daily trivia and rewards system
Requested features
4 requests- Watchlist feature
- More advanced charting and analysis tools
- Ability to transfer investments to other brokerages
- Improved portfolio tracking and performance reporting
In-app purchases
SimpleDirect Financing
No in-app purchases
Bloom
No in-app purchases









