# o3cards vs MyLoan

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.

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.

## The numbers

| Metric | o3cards | MyLoan |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (32 ratings)](https://appshunter.io/ios/app/o3cards/id1565911719/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/myloan/id6444729332/reviews)** |
| Number of ratings | **32** | 1 |
| Positive reviews | 8.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 58 MB | 3 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [O3 CAPITAL NIGERIA LIMITED](https://appshunter.io/developer/1565911721) | [Reiley Meeks](https://appshunter.io/developer/1466822605) |

## What reviewers say

### o3cards

[App page](https://appshunter.io/ios/app/o3cards/id1565911719)

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.

**Highlights:** Credit card issuance, Prepaid card issuance, Naira denominated cards, Promotes cashless transactions, Micro-credit facilities

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### MyLoan

[App page](https://appshunter.io/ios/app/myloan/id6444729332)

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.

**Highlights:** Loan calculation, Adjustable term lengths, Adjustable interest rates, Visual loan scenarios, Interest payment minimization

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is o3cards free?

o3cards is free to download, with no in-app purchases.

### Is MyLoan free?

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

### Which has better reviews, o3cards or MyLoan?

MyLoan is rated higher. o3cards averages 2.5 out of 5 from 32 ratings, while MyLoan averages 5.0 from 1 ratings.

### Do o3cards or MyLoan have ads?

Neither o3cards nor MyLoan shows ads.

### Which is updated more often, o3cards or MyLoan?

o3cards ships an update every 3 weeks, and MyLoan every 3 weeks. Most recently, o3cards was updated on October 27, 2026 and MyLoan on October 20, 2026.

---

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