Creditbox vs Nirra
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Creditbox
Apply for loans quickly and easily through a streamlined mobile process. Manage your loan accounts, review repayment options, and make payments directly from your device. Refer friends to earn extra cash.
- Fast loan application
- Same-day funding option
- Customer profile editing
- Loan account information viewing
- Repayment option management
- In-app payments
- Refer-a-friend program
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CreditBox’s new mobile app is here to provide you with the ability to apply for a loan faster than ever. Our simple step-by-step loan application only takes minutes to complete. We also offer same day funding when you apply before 11:30a CST, restrictions may apply. Within this app, you can edit your customer profile and view your loan account information right in the palm of your hand. You can also manage and review your re-payment options as well as make payments towards your loan with a few simple clicks. You can also access your custom Refer-A-Friend code to earn extra cash. This is the next generation of lending.
Nirra
Instantly send and receive money, shop with installment payments, and apply for loans. Manage your finances and lifestyle needs all in one place.
- Instant money transfers
- Installment shopping
- Loan applications
- Receive money
- Pay bills
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Send and receive money to anyone instantly, shop and pay installmentally or apply for a loan on Nirra.
Screenshots
Verdict
The clearest difference is review sentiment: Creditbox at 100% against Nirra's 0%. Creditbox also leads on rating (3.0 vs 2.2) and iOS requirement (11.0 vs 13.0). Nirra's advantage is update cadence (every 2 weeks vs every 6 weeks) and ratings volume (17 vs 2). On price, ads, in-app purchases and monetization model 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.
Creditbox holds the better App Store score, 3.0 against 2.2. That said, the two scores are not equally well evidenced: Nirra has 17 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 100% of Creditbox's written reviews are positive against 0% of Nirra's.
Creditbox ships an update every 6 weeks, Nirra every 2 weeks. The most recent releases landed on September 13, 2026 and August 13, 2026 respectively.
| Parameter | Creditbox | Nirra |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | 2.2 (17 ratings) |
| Positive reviews | 100.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 2 | 17 — better |
| Update frequency | Every 6 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 11.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 21 MB | 23 MB |
| Age rating | 4+ | 4+ |
| Developer | Americash Loans LLC | Liberta Leasing Limited |
Customer experience
Creditbox
Nirra
In-app purchases
Creditbox
No in-app purchases
Nirra
No in-app purchases
