# 三井住友カード VポイントPay  バーチャルプリペイド vs dスマホローン　ドコモのアプリローンでキャッシング・お借入れ

The clearest difference is review sentiment: dスマホローン　ドコモのアプリローンでキャッシング・お借入れ at 42% against 三井住友カード VポイントPay  バーチャルプリペイド's 9%. dスマホローン　ドコモのアプリローンでキャッシング・お借入れ also leads on ratings volume (8.1K vs 69) and rating (4.7 vs 4.4). 三井住友カード VポイントPay  バーチャルプリペイド's advantage is monetization model (ad-supported vs free with in-app purchases). On price, update cadence, 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.

dスマホローン　ドコモのアプリローンでキャッシング・お借入れ holds the better App Store score, 4.7 against 4.4. That said, the two scores are not equally well evidenced: dスマホローン　ドコモのアプリローンでキャッシング・お借入れ has 8.1K ratings behind it against 69, so its average is the more settled of the two. Written reviews point the same way: 9% of 三井住友カード VポイントPay  バーチャルプリペイド's written reviews are positive against 42% of dスマホローン　ドコモのアプリローンでキャッシング・お借入れ's.

三井住友カード VポイントPay  バーチャルプリペイド ships an update every 4 months, dスマホローン　ドコモのアプリローンでキャッシング・お借入れ every 6 months. The most recent releases landed on October 13, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | 三井住友カード VポイントPay  バーチャルプリペイド | dスマホローン　ドコモのアプリローンでキャッシング・お借入れ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (69 ratings)](https://appshunter.io/ios/app/vpay/id1504833985/reviews) | **[4.7 (8.1K ratings)](https://appshunter.io/ios/app/d/id1567353128/reviews)** |
| Number of ratings | 69 | **8.1K** |
| Positive reviews | 9.4% of reviews | **42.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 months** | Every 6 months |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 41 MB | 66 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [三井住友カード株式会社](https://appshunter.io/developer/838138455) | [株式会社NTTドコモ](https://appshunter.io/developer/396813773) |

## What reviewers say

### 三井住友カード VポイントPay  バーチャルプリペイド

[App page](https://appshunter.io/ios/app/vpay/id1504833985)

This app allows you to use your accumulated V Points for payments at Visa and iD merchants, both in-store and online. You can easily register, charge your points, and even link credit cards or bank accounts for seamless transactions. It also offers features to earn more points and manage your spending securely.

**Highlights:** Use V Points for payments, Charge points from credit cards/bank accounts, Apple Pay and iD compatible, Online shopping payments, Earn points at V Point partners, View transaction history, Temporary payment suspension

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### dスマホローン　ドコモのアプリローンでキャッシング・お借入れ

[App page](https://appshunter.io/ios/app/d/id1567353128)

This service offers a smartphone-based loan application and management process. Users can apply using their existing account and may receive preferential interest rates based on their service usage. Funds can be transferred directly to a payment balance or a bank account.

**Highlights:** Smartphone-based application and contract, Preferential interest rates based on service usage, Transfer to payment balance or bank account, Instant transfers to payment balance, 24/7 transfers to bank accounts, Flexible additional repayments, Easy usage status tracking

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick loan approval and disbursement
- 👍 Easy borrowing and repayment
- ⏱️ Fast application process
- 🤝 Convenient for urgent needs
- 📱 Simple and user-friendly app

**What reviewers complain about**

- 🤔 Unclear interest rates and basic rates
- 😫 Troublesome authentication process
- ❌ Income proof submission errors
- 🚫 Cannot apply without My Number Card
- 😵 App screen is blank/frozen

**Reported bugs**

- Income proof submission error
- App screen is blank or white
- App freezes upon opening
- Login loop (network password and passkey)
- Online identity verification not working

**Requested features**

- Add Poinko animation upon loan approval
- Improve camera accuracy for document scanning
- Implement scan function for document text recognition


## Frequently asked questions

### Is 三井住友カード VポイントPay  バーチャルプリペイド free?

三井住友カード VポイントPay  バーチャルプリペイド is free to download, with no in-app purchases.

### Is dスマホローン　ドコモのアプリローンでキャッシング・お借入れ free?

dスマホローン　ドコモのアプリローンでキャッシング・お借入れ is free to download, with no in-app purchases.

### Which has better reviews, 三井住友カード VポイントPay  バーチャルプリペイド or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ?

dスマホローン　ドコモのアプリローンでキャッシング・お借入れ is rated higher. 三井住友カード VポイントPay  バーチャルプリペイド averages 4.4 out of 5 from 69 ratings, while dスマホローン　ドコモのアプリローンでキャッシング・お借入れ averages 4.7 from 8.1K ratings.

### Do 三井住友カード VポイントPay  バーチャルプリペイド or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ have ads?

Neither 三井住友カード VポイントPay  バーチャルプリペイド nor dスマホローン　ドコモのアプリローンでキャッシング・お借入れ shows ads.

### Which is updated more often, 三井住友カード VポイントPay  バーチャルプリペイド or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ?

三井住友カード VポイントPay  バーチャルプリペイド ships an update every 4 months, and dスマホローン　ドコモのアプリローンでキャッシング・お借入れ every 6 months. Most recently, 三井住友カード VポイントPay  バーチャルプリペイド was updated on October 13, 2026 and dスマホローン　ドコモのアプリローンでキャッシング・お借入れ on October 14, 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.*