# CediPay vs Loan Express

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.

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.

## The numbers

| Metric | CediPay | Loan Express |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (24 ratings)](https://appshunter.io/ios/app/cedipay/id1518982165/reviews) | **[2.7 (7 ratings)](https://appshunter.io/ios/app/loan-express/id1539430075/reviews)** |
| Number of ratings | **24** | 7 |
| Positive reviews | **33.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 19 months |
| Monetization | Free | Free |
| Size | 61 MB | 47 MB |
| Requires iOS | **12.0** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NEW-CEDIPAY GHANA LIMITED](https://appshunter.io/developer/1518982167) | [Financial Operating](https://appshunter.io/developer/1539430077) |

## What reviewers say

### CediPay

[App page](https://appshunter.io/ios/app/cedipay/id1518982165)

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.

**Highlights:** Send and receive money, Pay bills, Top up airtime, Pay for goods and services, Financial inclusion

**Features:** macOS Compatibility

**In-app purchases:** none


### Loan Express

[App page](https://appshunter.io/ios/app/loan-express/id1539430075)

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.

**Highlights:** Real-time payment processing, Payment scheduling, View payment history, Direct chat with provider, Fast and easy interface

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is CediPay free?

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

### Is Loan Express free?

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

### Which has better reviews, CediPay or Loan Express?

Loan Express is rated higher. CediPay averages 2.6 out of 5 from 24 ratings, while Loan Express averages 2.7 from 7 ratings.

### Do CediPay or Loan Express have ads?

Neither CediPay nor Loan Express shows ads.

### Which is updated more often, CediPay or Loan Express?

CediPay ships an update every 3 weeks, and Loan Express every 19 months. Most recently, CediPay was updated on October 24, 2026 and Loan Express on October 24, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*