# BestRateJO vs Valu Jo

The clearest difference is rating: Valu Jo at 4.3 against BestRateJO's 3.0. Valu Jo also leads on update cadence (fortnightly vs every 3 months). BestRateJO's advantage is iOS requirement (12.0 vs 15.6). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

Valu Jo holds the better App Store score, 4.3 against 3.0. Both are backed by a comparable volume of ratings — 3 and 4 respectively.

BestRateJO ships an update every 3 months, Valu Jo fortnightly. The most recent releases landed on September 21, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | BestRateJO | Valu Jo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (3 ratings)](https://appshunter.io/ios/app/bestratejo/id1490221280/reviews) | **[4.3 (4 ratings)](https://appshunter.io/ios/app/valu-jo/id6761329552/reviews)** |
| Number of ratings | 3 | **4** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 43 MB | 138 MB |
| Requires iOS | **12.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [BestRate](https://appshunter.io/developer/1490221279) | [Valu for Payments and Technical Solutions S.A.E.](https://appshunter.io/developer/1536147386) |

## What reviewers say

### BestRateJO

[App page](https://appshunter.io/ios/app/bestratejo/id1490221280)

This platform simplifies and speeds up financial processes for clients of banks and financial institutions. Users can apply for loans and receive approval directly from their phones without leaving home or the office.

**Highlights:** Loan application, Fast approval process, Financial institution services, Mobile-first experience, Simplified financial processes

**Features:** macOS Compatibility

**In-app purchases:** none


### Valu Jo

[App page](https://appshunter.io/ios/app/valu-jo/id6761329552)

This app provides a Buy Now, Pay Later service, allowing users to shop from a network of merchants and split purchases into flexible payment plans. It offers a fully digital experience for managing payments and accessing funds for everyday essentials and larger purchases.

**Highlights:** Buy Now, Pay Later (BNPL), Flexible payment plans, Shop across a wide merchant network, Fully digital experience, Manage payments in one place, Access funds for purchases

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

**In-app purchases:** none


## Frequently asked questions

### Is BestRateJO free?

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

### Is Valu Jo free?

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

### Which has better reviews, BestRateJO or Valu Jo?

Valu Jo is rated higher. BestRateJO averages 3.0 out of 5 from 3 ratings, while Valu Jo averages 4.3 from 4 ratings.

### Do BestRateJO or Valu Jo have ads?

Neither BestRateJO nor Valu Jo shows ads.

### Which is updated more often, BestRateJO or Valu Jo?

BestRateJO ships an update every 3 months, and Valu Jo fortnightly. Most recently, BestRateJO was updated on September 21, 2026 and Valu Jo on October 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.*