# Loan vs sejf

The clearest difference is review sentiment: Loan at 87% against sejf's 11%. Loan also leads on iOS requirement (8.0 vs 14.0). On price, update cadence, 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.

Loan ships an update every 2 months, sejf monthly. The most recent releases landed on October 20, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Loan | sejf |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (21 ratings)](https://appshunter.io/ios/app/loan-u-later/id300496252/reviews)** | — |
| Number of ratings | **21** | — |
| Positive reviews | **87.3% of reviews** | 11.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | Free |
| Size | 8 MB | 118 MB |
| Requires iOS | **8.0** | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Justin Hawkwood](https://appshunter.io/developer/299790847) | [DIRECT pay](https://appshunter.io/developer/301404276) |

## What reviewers say

### Loan

[App page](https://appshunter.io/ios/app/loan-u-later/id300496252)

Calculate various aspects of loans and investments, including interest rates and total amounts paid or contributed. Features an amortization table for current calculations.

**Highlights:** Loan calculation, Investment calculation, Interest rate calculation, Total interest paid, Total contribution made, Amortization table

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Simple and easy to use
- 💡 Solves for any variable
- 💰 Free to use
- 📊 Amortization table included
- 🚀 Fast calculations

**What reviewers complain about**

- 🐛 Does not work with newer iOS versions
- 🎨 Annoying rotating color background
- ⏳ Lacks updates
- 📱 Not optimized for newer iPhones

**Reported bugs**

- Stopped working with iOS 11
- Loan amount deleted when changing fields on iOS 5
- Does not remember entered data between sessions

**Requested features**

- Update the app for newer iOS versions
- Option to disable rotating background colors
- Ability to email result data
- Save previous calculations
- Calculate and compare multiple loans


### sejf

[App page](https://appshunter.io/ios/app/sejf/id301404273)

This app simplifies purchasing public transport tickets and parking permits across the Czech Republic. It offers a wide range of payment options and real-time traffic information, ensuring quick and secure transactions for your daily commute or travel needs.

**Highlights:** Easy ticket and parking purchase, Multiple payment methods (Apple Pay, card, SMS, m-payment), Real-time transport connection search, Ticket and parking expiry notifications, Instant payment confirmation, Digital tax receipts for parking

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Loan free?

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

### Is sejf free?

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

### Do Loan or sejf have ads?

Neither Loan nor sejf shows ads.

### Which is updated more often, Loan or sejf?

Loan ships an update every 2 months, and sejf monthly. Most recently, Loan was updated on October 20, 2026 and sejf on October 14, 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.*