Nirra vs Neocash Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
Neocash Mobile
This app provides quick and easy access to personal loans for Lagos State residents. Apply for amounts between ₦5,000 and ₦5,000,000 with flexible repayment terms and no collateral required for most loans. Funds are credited upon approval.
- Loan amounts from ₦5,000 to ₦5,000,000
- Flexible repayment periods
- Fast loan approval and disbursement
- No collateral or guarantor needed
- Secure and reliable loan service
- Human-touch digital banking
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LAGOS STATE RESIDENTS ONLY Whatsapp: 08081250499 ₦5,000 to ₦25,000,000, apply in just 5 minutes! No Collateral, No Guarantor, No Time! NeoCash is a new app from Shepherd Trust Microfinance Bank. We have been providing financial services to all classes of Nigerians since 2011, and are now bringing the same quality customer service right into your hands. We are on a mission to give a human touch to digital banking and as we scale, we’re bringing with us the same people-centric, customer focused culture we’ve always strived to build locally. Download our app now and apply for a loan in less than 5 minutes. Why Use NeoCash? - Borrow up to ₦5,000,000 - Choose your payment tenure - Fast and easy access to loans, with no hidden charges - Account is credited as soon as the loan is approved - No collateral or guarantor needed for most loans - NeoCash Loan App is extremely secure and reliable Loan characteristics Loan amounts from ₦5,000 to ₦5,000,000 Repayment period from 61 days to 12 months APR from 30% to 120% per annum Loan Requirements - A steady and verifiable source of income (Job or Business) - Bank statement (to prove income) - Gov't issued ID Card - A good credit history An example of a NeoCash loan Borrow ₦100,000 over 3 months Interest (total cost of the loan): ₦7,500 (2.5% rate) Three monthly repayments: ₦35,833 Total amount payable: ₦107,500 Representative: 30% APR
Screenshots
Verdict
The clearest difference is rating: Neocash Mobile at 3.7 against Nirra's 2.2. Neocash Mobile also leads on review sentiment (14% vs 0%). Nirra's advantage is monetization model (free vs ad-supported) and iOS requirement (13.0 vs 15.6). On price, ratings volume, update cadence and ads 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.
Neocash Mobile holds the better App Store score, 3.7 against 2.2. Both are backed by a comparable volume of ratings — 17 and 6 respectively. Written reviews point the same way: 0% of Nirra's written reviews are positive against 14% of Neocash Mobile's.
Nirra ships an update every 2 weeks, Neocash Mobile fortnightly. The most recent releases landed on October 6, 2026 and October 1, 2026 respectively.
| Parameter | Nirra | Neocash Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 2.2 (17 ratings) | 3.7 (6 ratings) — better |
| Positive reviews | 0.0% of reviews | 14.3% of reviews — better |
| Number of ratings | 17 — better | 6 |
| Update frequency | Every 2 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 23 MB | 129 MB |
| Age rating | 4+ | 17+ |
| Developer | Liberta Leasing Limited | Shephard Trust Bank |
Customer experience
Nirra
Neocash Mobile
In-app purchases
Nirra
No in-app purchases
Neocash Mobile
No in-app purchases
