CediPay vs Loan Express
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CediPay
A mobile platform for everyday payments and essential services. Send and receive money, pay bills, top up airtime, and pay for goods and services seamlessly. Promotes financial and social inclusion.
- Send and receive money
- Pay bills
- Top up airtime
- Pay for goods and services
- Financial inclusion
Read full descriptionHide full description
We are more than a payment company. We believe everyone should be able to enjoy financial and social inclusion, without regard for physical borders, boundaries, or even social status. CediPay is a one-stop mobile-based platform for payment of Goods and important services in your everyday life. Thousands of users rely on CediPay everyday to send and receive money, pay bills, Top up Airtime, pay for goods and services
Loan Express
Manage your loan payments conveniently with real-time updates and scheduling. Track your payment history and communicate directly with your provider through a fast and easy interface.
- Real-time payment processing
- Payment scheduling
- View payment history
- Direct chat with provider
- Fast and easy interface
Read full descriptionHide full description
Make and schedule your Loan Express payment in real-time. The Loan Express App is the easiest way to make your payment, see your payment history, and chat with your provider. It's fast and easy.
Screenshots
Verdict
CediPay and Loan Express both sit at 2.6 stars, but that hides the real split: 33% of CediPay's written reviews are positive against 0% of Loan Express's. CediPay also leads on update cadence (every 3 weeks vs every 19 months) and ratings volume (24 vs 7). On price, rating, ads and in-app purchases 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.
On the App Store both sit at effectively the same score — 2.6 for CediPay against 2.7 for Loan Express. Both are backed by a comparable volume of ratings — 24 and 7 respectively. Written reviews are what separate them: 33% of CediPay's written reviews are positive against 0% of Loan Express's.
CediPay ships an update every 3 weeks, Loan Express every 19 months. Both last shipped on October 24, 2026.
| Parameter | CediPay | Loan Express |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (24 ratings) | 2.7 (7 ratings) — better |
| Positive reviews | 33.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 24 — better | 7 |
| Update frequency | Every 3 weeks — better | Every 19 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 61 MB | 47 MB |
| Age rating | 4+ | 4+ |
| Developer | NEW-CEDIPAY GHANA LIMITED | Financial Operating |
Customer experience
CediPay
Loan Express
In-app purchases
CediPay
No in-app purchases
Loan Express
No in-app purchases
