Oxygen Mobile Access vs Credx Finance
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Oxygen Mobile Access
Manage your finances on the go with this app. Easily pay bills, transfer funds across Australia, and access your account details. You can also redraw funds from your home loan account, with daily transfer limits.
- Pay bills
- Transfer funds
- Access account balance
- View transaction history
- Redraw home loan funds
- Daily transfer limit
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Mobile Access from Oxygen is here! Pay bills and transfer funds to anywhere in Australia Access your account balance and transaction history whenever you want Redraw funds from your home loan account, fast Transfer up to $10,000 a day It's safe, protecting you and your account information By using Loan One Mobile Access you agree to our Terms and Conditions as set out at https://online.originmms.com.au/ib/oxygen/Terms
Credx Finance
This app offers quick, affordable salary advances to employees of partner organizations. It provides a fully digital process for applications, approvals, and fund disbursement, with repayments linked to salary deductions. The service aims to offer financial flexibility without collateral or guarantors.
- Instant access to low-interest loans
- Automated salary deductions
- No hidden fees or paperwork
- Fully digital application process
- Salary-linked repayments
- No collateral or guarantors required
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CredX is a salary-based loan platform designed to provide quick, affordable, and stress-free access to credit for employees of onboarded organisations. By partnering directly with employers, CredX ensures responsible lending through salary-linked repayments, eliminating the need for collateral or guarantors. With a fully digital process, users can apply, get approved, and receive funds in minutes—all within a secure and user-friendly mobile app. CredX empowers employees with financial flexibility while supporting organizations in boosting employee satisfaction and productivity. Key Features: Instant access to low-interest loans Automated salary deductions for easy repayment No hidden fees, paperwork, or long queues Designed for employed individuals within verified companies CredX — smart credit for the working class.
Screenshots
Verdict
The clearest difference is rating: Oxygen Mobile Access at 3.0 against Credx Finance's 1.0. 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.
Oxygen Mobile Access holds the better App Store score, 3.0 against 1.0. Both are backed by a comparable volume of ratings — 3 and 2 respectively.
Oxygen Mobile Access ships an update every 2 weeks, Credx Finance fortnightly. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.
| Parameter | Oxygen Mobile Access | Credx Finance |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (3 ratings) — better | 1.0 (2 ratings) |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | 3 — better | 2 |
| Update frequency | Every 2 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 73 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | Origin Mortgage Management Services Pty Ltd | Credx Nigeria Ltd |
Customer experience
Oxygen Mobile Access
Credx Finance
In-app purchases
Oxygen Mobile Access
No in-app purchases
Credx Finance
No in-app purchases
Questions
Is Oxygen Mobile Access free?
Is Credx Finance free?
Which has better reviews, Oxygen Mobile Access or Credx Finance?
Do Oxygen Mobile Access or Credx Finance have ads?
Which is updated more often, Oxygen Mobile Access or Credx Finance?
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