# iM캐피탈 vs PRAYBEAM

The clearest difference is update cadence: PRAYBEAM at weekly against iM캐피탈's every 3 months. iM캐피탈's advantage is iOS requirement (11.0 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

iM캐피탈 ships an update every 3 months, PRAYBEAM weekly. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | iM캐피탈 | PRAYBEAM |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 46.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Weekly** |
| Monetization | Free | — |
| Size | 83 MB | 4 MB |
| Requires iOS | **11.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [iM Capital Co., Ltd.](https://appshunter.io/developer/1550234876) | [HAG SOON JANG](https://appshunter.io/developer/6818761011) |

## What reviewers say

### iM캐피탈

[App page](https://appshunter.io/ios/app/im/id1575308199)

Access various loan products, from personal credit to secured and auto loans, with a 1-minute credit limit inquiry that doesn't affect your credit score. Manage your loans, check asset values, and apply for new loans seamlessly.

**Highlights:** 1-minute credit limit inquiry, Personal, secured, and auto loan products, Loan management and payment tracking, Real estate and vehicle market value checks, Non-face-to-face loan application, Customizable home screen

**Features:** macOS Compatibility

**In-app purchases:** none


### PRAYBEAM

[App page](https://appshunter.io/ios/app/praybeam/id6818761009)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is iM캐피탈 free?

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

### Is PRAYBEAM free?

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

### Do iM캐피탈 or PRAYBEAM have ads?

Neither iM캐피탈 nor PRAYBEAM shows ads.

### Which is updated more often, iM캐피탈 or PRAYBEAM?

iM캐피탈 ships an update every 3 months, and PRAYBEAM weekly. Most recently, iM캐피탈 was updated on October 24, 2026 and PRAYBEAM on October 26, 2026.

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