Comparison

Finko vs Refi Scout

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Finko

Manage your gold loans conveniently with this app. Apply for new loans, view existing details, and make repayments securely. It also offers a gold loan calculator and branch locator.

Highlights
  • Apply for gold loans
  • View active loan details
  • Repay interest and principal
  • Gold loan calculator
  • Locate nearest branches
  • Biometric account security
  • Multi-language support
Features
Read full description

Kosamattam Finance, India's largest gold loan company, introducing our brand-new mobile app Kosamattam FinKo through which our customers will have a hassle-free experience to access the various services we provide at their fingertips. FinKo is opening a gateway to apply and manage gold loans with the support of a highly secured payment gateway. Through FinKo's intuitive design with the power of multi-language support, we ensure a sublime user experience. NB: Only Kosamattam Finance customers can login to FinKo App. Some of the services that can be availed from the FinKo App are: - Gold Loan at home - View your active Gold Loan details - Remit Interest and Principal repayments on your loans. - Gold Loan calculator - Expert valuation of your gold. - Locate your nearest Kosamattam Finance branch - Make an appointment with the branch at your convenience - Safeguard your account with the power of biometrics - Secured payment gateway - Multi-lingual support - Instant & Smart notifications - Access to our new schemes and offers - Instant access to the other services we provide. - FAQ's - 24x7 customer care support In this digital era, online medium is more agreeable than any other way. Kosamattam Finance is providing an opportunity to make our services easily accessible to our customers with FinKo. Download and experience Kosamattam FinKo now and join the digital era!

About

Refi Scout

This finance app monitors daily mortgage rates and alerts you when refinancing could save you money. It analyzes your specific loan details against national trends to provide a personalized refinance score and custom alerts.

Highlights
  • Daily mortgage rate monitoring
  • Personalized refinance score
  • Customizable refinance alerts
  • Support for multiple properties
  • 12-month rate history
  • On-device data privacy
Features
Read full description

Refi Scout watches mortgage rates every day and tells you when refinancing could save you money — so you never have to think about it. Most homeowners miss their best chance to refinance. Rates move weekly, but life is busy. Refi Scout makes sure you're always on alert. Add your mortgage once. We monitor national rates from the Federal Reserve daily and alert you when refinancing may make financial sense for your specific loan — based on your rate, your balance, and your break-even timeline. What makes Refi Scout different: • Your Refi Score — a 0-100 rating that shows how beneficial refinancing is right now for your loan • Custom alerts — set your own thresholds for rate drop, monthly savings, and break-even timeline • Multiple properties — track every home you own • Rate history — 12 months of 30-year, 15-year, and ARM rate data • Private by design — all mortgage data stays on your device. Always. How it works: 1. Add your mortgage details in under a minute 2. We watch rates daily using Federal Reserve data 3. You get alerted only when the numbers actually may make sense Refi Scout is not affiliated with any lender and receives no referral fees. We have no incentive to push you toward refinancing — we just tell you when the math works. Subscription required after 7-day free trial. Terms of use: https://refiscout.app/terms Privacy policy: https://refiscout.app/privacy Refi Scout is for informational purposes only and does not constitute financial advice. Always consult a licensed mortgage professional before making refinancing decisions.

Screenshots

Finko4 screens
Refi Scout4 screens

Verdict

The call

The clearest difference is review sentiment: Refi Scout at 100% against Finko's 0%. Refi Scout also leads on update cadence (daily vs every 2 months). Finko's advantage is in-app purchases (none vs 3) and ads (none vs shown). On price and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Refi Scout sells 3 in-app purchases, starting at $6.99 per month. Finko asks for nothing beyond the download.

UpkeepUpdate frequency

Finko ships an update every 2 months, Refi Scout daily. Both last shipped on October 24, 2026.

Scorecard6 real differences · 4 level
Finko versus Refi Scout: the parameters behind the verdict, then further details
ParameterFinkoRefi Scout
PriceFreeFree
Rating—5.0 (2 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings—2 — better
Update frequencyEvery 2 monthsDaily — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPod — betteriPhone
Requires iOS15.6 — better17.0
Further details — not scored
Size54 MB1 MB
Age rating4+4+
DeveloperAabasoft Technologies (India) Private LimitedDappled Company LLC

Customer experience

Finko

Written reviews5 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Refi Scout

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Finko

No in-app purchases

3 purchases

Refi Scout

Subscriptions2
  • Monthly7 Days trial$6.991 Month
  • Annual7 Days trial$39.991 Year
One-time1
  • Lifetime$99.99

Questions

Is Finko free?
Finko is free to download, with no in-app purchases.
Is Refi Scout free?
Refi Scout is free to download, with in-app purchases available.
Do Finko or Refi Scout have ads?
Refi Scout shows ads; Finko does not.
Which is updated more often, Finko or Refi Scout?
Finko ships an update every 2 months, and Refi Scout daily. Most recently, Finko was updated on October 24, 2026 and Refi Scout on October 24, 2026.

Other comparisons