# BMG Money vs CarCard

The clearest difference is rating: CarCard at 4.2 against BMG Money's 3.3. BMG Money's advantage is update cadence (fortnightly vs every 6 weeks) and ratings volume (151 vs 11). On price, review sentiment, 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.

CarCard holds the better App Store score, 4.2 against 3.3. That said, the two scores are not equally well evidenced: BMG Money has 151 ratings behind it against 11, so its average is the more settled of the two. Written reviews complicate that: 44% of BMG Money's written reviews are positive against 40% of CarCard's, so the app with the better star average is not the one people write more warmly about.

BMG Money ships an update fortnightly, CarCard every 6 weeks. Both last shipped on November 3, 2026.

## The numbers

| Metric | BMG Money | CarCard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (151 ratings)](https://appshunter.io/ios/app/bmg-money/id1629499701/reviews) | **[4.2 (11 ratings)](https://appshunter.io/ios/app/carcard/id1645825308/reviews)** |
| Number of ratings | **151** | 11 |
| Positive reviews | **44.2% of reviews** | 40.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 6 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 148 MB | 151 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [BMG Money Inc.](https://appshunter.io/developer/1629499703) | [CarCard](https://appshunter.io/developer/1748158489) |

## What reviewers say

### BMG Money

[App page](https://appshunter.io/ios/app/bmg-money/id1629499701)

Access personal loans designed for employees and retirees, with amounts from $500 to $10,000. Offers quick loan decisions and funding, even without a FICO score. Ideal for those seeking to improve their credit or needing funds quickly.

**Highlights:** Loans from $500-$10,000, No FICO credit score required, Loan offers in minutes, Higher acceptance rate, Instant funding available, APR from 16.99%-35.99%, Referral program for extra cash

**In-app purchases:** none

**What reviewers like**

- 👍 Great customer service (Claudia L, Silvia A, Brandon, Wilver B, Kevin O, Ammy V, Aime U, Tabitha, Deborah, Gianni)
- 🚀 Quick deposits
- 🚀 Fast and easy loan process
- 👍 Helpful for people with less than perfect credit
- 👍 Made loan process stress-free

**What reviewers complain about**

- 🐛 App worthless now
- 🐛 Not what it used to be
- 🐛 Unable to log in through the app
- 🐛 App won't reload successfully
- 🐛 App displays inaccurate information

**Reported bugs**

- Unable to log in through the app
- App won't reload successfully
- App displays inaccurate information
- App is reporting negatively on credit
- Error when logging into the app or online

**Requested features**

- Add Walgreens to employer list
- Fix bug with Truv linking work account
- Update app for more accurate payment dates
- Provide more bonus for sharing referral link
- Increase refinance bonus amount


### CarCard

[App page](https://appshunter.io/ios/app/carcard/id1645825308)

Easily manage your auto loan payments and stay up-to-date with your account. Make one-time or automatic payments, and access exclusive discounts and coupons. Registration with a participating auto lender is required.

**Highlights:** On-demand payments, Automatic payment scheduling, Account activity viewing, Access to discounts and coupons, Connects with auto lenders

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

**In-app purchases:** none


## Frequently asked questions

### Is BMG Money free?

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

### Is CarCard free?

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

### Which has better reviews, BMG Money or CarCard?

CarCard is rated higher. BMG Money averages 3.3 out of 5 from 151 ratings, while CarCard averages 4.2 from 11 ratings.

### Do BMG Money or CarCard have ads?

Neither BMG Money nor CarCard shows ads.

### Which is updated more often, BMG Money or CarCard?

BMG Money ships an update fortnightly, and CarCard every 6 weeks. Most recently, BMG Money was updated on November 3, 2026 and CarCard on November 3, 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.*