o3cards vs MyLoan
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
o3cards
This app provides access to credit and prepaid cards in Nigeria, aiming to promote electronic transactions and a cashless economy. It caters to the growing demand for micro-credit facilities among the working population.
- Credit card issuance
- Prepaid card issuance
- Naira denominated cards
- Promotes cashless transactions
- Micro-credit facilities
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O3 Capital is the first non-bank card issuer in Nigeria and aims to become the preferred credit card issuer in the long-term. The strategic thrust of the company is to issue Naira denominated cards; both credit and prepaid to the Nigerian market. This objective correlates to that of the Central Bank of Nigeria’s Financial System strategy 2020, to create a “cashless Nigeria”. The Central Bank of Nigeria (CBN) introduced a policy on cash-based transactions in on July 01, 2014. The policy aimed to reduce the amount of physical cash circulating in the economy and encourage more electronic-based transactions Taking advantage of the CBN initiative and the demand for micro-credit facilities by the growing middle income demography of the Nigerian working population, O3 Capital has developed its product to cater to the fast growing credit card market and seeks to cultivate the culture of credit card usage in Nigeria.
MyLoan
Easily calculate potential auto or home loan payments. This app offers a clear, visual way to explore loan scenarios, allowing you to adjust terms and interest rates to find the most favorable options and minimize overall interest paid.
- Loan calculation
- Adjustable term lengths
- Adjustable interest rates
- Visual loan scenarios
- Interest payment minimization
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Ever needed help calculating an auto or home loan? Look no further than here. This app is a quick and visually easy way to see what a prospective loan might look like. You can also quickly change term lengths and interest rates to minimise interest payments.
Screenshots
Verdict
The clearest difference is rating: MyLoan at 5.0 against o3cards's 2.5. o3cards's advantage is ratings volume (32 vs 1) and iOS requirement (13.0 vs 16.0). On price, update cadence, 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.
MyLoan holds the better App Store score, 5.0 against 2.5. That said, the two scores are not equally well evidenced: o3cards has 32 ratings behind it against 1, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 27, 2026 and October 20, 2026 respectively.
| Parameter | o3cards | MyLoan |
|---|---|---|
| Price | Free | Free |
| Rating | 2.5 (32 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 8.3% of reviews | — |
| Number of ratings | 32 — better | 1 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 58 MB | 3 MB |
| Age rating | 4+ | 4+ |
| Developer | O3 CAPITAL NIGERIA LIMITED | Reiley Meeks |
Customer experience
o3cards
MyLoan
In-app purchases
o3cards
No in-app purchases
MyLoan
No in-app purchases
