Comparison

CoAd.Pay COBRA WEX Version vs Neocash Mobile

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

Head to head
About

CoAd.Pay COBRA WEX Version

Features
Read full description

Stay up to date and worry free with the COBRA & Direct Billing App! Manage your plans 24/7 through the intuitive design and navigation while on the go. Powerful features of this app include (if supported by your account): Plan Information • Get visibility on payments made to your plan • View notifications and receive messages from your administrator to stay up to date on your record • Click to call or email Customer Service Making Payments • Make one time payments when most convenient for you • Schedule future and recurring payments to put you at ease • Use your bank account or credit card Elections • Pick and Choose the plan(s) that best suites you • Avoid the hassle of paper by utilizing the latest in secure mobile payment technology • View what you elected to better understand your coverage level, and make changes if needed Powered by WEX Health®

About

Neocash Mobile

This app provides quick and easy access to personal loans for Lagos State residents. Apply for amounts between ₦5,000 and ₦5,000,000 with flexible repayment terms and no collateral required for most loans. Funds are credited upon approval.

Highlights
  • Loan amounts from ₦5,000 to ₦5,000,000
  • Flexible repayment periods
  • Fast loan approval and disbursement
  • No collateral or guarantor needed
  • Secure and reliable loan service
  • Human-touch digital banking
Features
Read full description

LAGOS STATE RESIDENTS ONLY Whatsapp: 08081250499 ₦5,000 to ₦25,000,000, apply in just 5 minutes! No Collateral, No Guarantor, No Time! NeoCash is a new app from Shepherd Trust Microfinance Bank. We have been providing financial services to all classes of Nigerians since 2011, and are now bringing the same quality customer service right into your hands. We are on a mission to give a human touch to digital banking and as we scale, we’re bringing with us the same people-centric, customer focused culture we’ve always strived to build locally. Download our app now and apply for a loan in less than 5 minutes. Why Use NeoCash? - Borrow up to ₦5,000,000 - Choose your payment tenure - Fast and easy access to loans, with no hidden charges - Account is credited as soon as the loan is approved - No collateral or guarantor needed for most loans - NeoCash Loan App is extremely secure and reliable Loan characteristics Loan amounts from ₦5,000 to ₦5,000,000 Repayment period from 61 days to 12 months APR from 30% to 120% per annum Loan Requirements - A steady and verifiable source of income (Job or Business) - Bank statement (to prove income) - Gov't issued ID Card - A good credit history An example of a NeoCash loan Borrow ₦100,000 over 3 months Interest (total cost of the loan): ₦7,500 (2.5% rate) Three monthly repayments: ₦35,833 Total amount payable: ₦107,500 Representative: 30% APR

Screenshots

CoAd.Pay COBRA WEX Version3 screens
Neocash Mobile4 screens

Verdict

The call

The clearest difference is update cadence: Neocash Mobile at every 3 weeks against CoAd.Pay COBRA WEX Version's every 8 months. Neocash Mobile also leads on iOS requirement (15.6 vs 17.0). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

CoAd.Pay COBRA WEX Version ships an update every 8 months, Neocash Mobile every 3 weeks. The most recent releases landed on October 14, 2026 and October 17, 2026 respectively.

Scorecard2 real differences · 8 level
CoAd.Pay COBRA WEX Version versus Neocash Mobile: the parameters behind the verdict, then further details
ParameterCoAd.Pay COBRA WEX VersionNeocash Mobile
PriceFreeFree
Rating—3.7 (6 ratings) — better
Positive reviews—14.3% of reviews
Number of ratings—6 — better
Update frequencyEvery 8 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
Monetization—Ad-supported
DevicesiPhoneiPhone, iPod — better
Requires iOS17.015.6 — better
Further details — not scored
Size6 MB159 MB
Age rating17+17+
DeveloperPRIMEPAY, LLCShephard Trust Bank

In-app purchases

None

CoAd.Pay COBRA WEX Version

No in-app purchases

None

Neocash Mobile

No in-app purchases

Questions

Is CoAd.Pay COBRA WEX Version free?
CoAd.Pay COBRA WEX Version is free to download, with no in-app purchases.
Is Neocash Mobile free?
Neocash Mobile is free to download, with no in-app purchases.
Do CoAd.Pay COBRA WEX Version or Neocash Mobile have ads?
Neither CoAd.Pay COBRA WEX Version nor Neocash Mobile shows ads.
Which is updated more often, CoAd.Pay COBRA WEX Version or Neocash Mobile?
CoAd.Pay COBRA WEX Version ships an update every 8 months, and Neocash Mobile every 3 weeks. Most recently, CoAd.Pay COBRA WEX Version was updated on October 14, 2026 and Neocash Mobile on October 17, 2026.

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