Comparison

Oxygen Mobile Access vs Credx Finance

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Pay bills
  • Transfer funds
  • Access account balance
  • View transaction history
  • Redraw home loan funds
  • Daily transfer limit
Features
Read full description

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

About

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.

Highlights
  • 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
Features
Read full description

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

Oxygen Mobile Access4 screens
Credx Finance4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard1 real difference · 9 level
Oxygen Mobile Access versus Credx Finance: the parameters behind the verdict, then further details
ParameterOxygen Mobile AccessCredx Finance
PriceFreeFree
Rating3.0 (3 ratings) — better1.0 (2 ratings)
Positive reviews—0.0% of reviews
Number of ratings3 — better2
Update frequencyEvery 2 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size73 MB20 MB
Age rating4+4+
DeveloperOrigin Mortgage Management Services Pty LtdCredx Nigeria Ltd

Customer experience

Oxygen Mobile Access

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%

Credx Finance

All ratings2 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Oxygen Mobile Access

No in-app purchases

None

Credx Finance

No in-app purchases

Questions

Is Oxygen Mobile Access free?
Oxygen Mobile Access is free to download, with no in-app purchases.
Is Credx Finance free?
Credx Finance is free to download, with no in-app purchases.
Which has better reviews, Oxygen Mobile Access or Credx Finance?
Oxygen Mobile Access is rated higher. Oxygen Mobile Access averages 3.0 out of 5 from 3 ratings, while Credx Finance averages 1.0 from 2 ratings.
Do Oxygen Mobile Access or Credx Finance have ads?
Neither Oxygen Mobile Access nor Credx Finance shows ads.
Which is updated more often, Oxygen Mobile Access or Credx Finance?
Oxygen Mobile Access ships an update every 2 weeks, and Credx Finance fortnightly. Most recently, Oxygen Mobile Access was updated on November 3, 2026 and Credx Finance on October 30, 2026.

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