# Payday Loans vs SurplusFx

The clearest difference is rating: SurplusFx at 5.0 against Payday Loans's 1.4. SurplusFx 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 15.5). 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.

SurplusFx 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.

Payday Loans ships an update every 34 months, SurplusFx fortnightly. The most recent releases landed on October 21, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Payday Loans | SurplusFx |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (9 ratings)](https://appshunter.io/ios/app/payday-loans/id1511832987/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/surplusfx/id6754592795/reviews)** |
| Number of ratings | **9** | 1 |
| Positive reviews | 75.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 34 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 24 MB | 38 MB |
| Requires iOS | **13.4** | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [TaxCash Pay It Forward](https://appshunter.io/developer/1511832986) | [IFEMMADON FINANCIAL INC.](https://appshunter.io/developer/1849109417) |

## What reviewers say

### 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


### SurplusFx

[App page](https://appshunter.io/ios/app/surplusfx/id6754592795)

Easily manage your finances, send and receive money globally, and pay bills from a single, secure application. Experience fast, rewarding international money transfers with competitive exchange rates and real-time tracking.

**Highlights:** Global money transfers, Bill payments, Multi-currency wallet, Competitive exchange rates, Rewards on transactions, Real-time tracking

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

**In-app purchases:** none


## Frequently asked questions

### Is Payday Loans free?

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

### Is SurplusFx free?

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

### Which has better reviews, Payday Loans or SurplusFx?

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

### Do Payday Loans or SurplusFx have ads?

Neither Payday Loans nor SurplusFx shows ads.

### Which is updated more often, Payday Loans or SurplusFx?

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