# Plata vs LoanSmart

The clearest difference is ads: Plata at none against LoanSmart's shown. Plata also leads on ratings volume (7.3K vs 3) and monetization model (free vs ad-supported). On price, rating, update cadence 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.

On the App Store both sit at effectively the same score — 4.9 for Plata against 5.0 for LoanSmart. That said, the two scores are not equally well evidenced: Plata has 7.3K ratings behind it against 3, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 24, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Plata | LoanSmart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (7.3K ratings)](https://appshunter.io/ios/app/plata/id6443932656/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/loansmart/id6754310689/reviews)** |
| Number of ratings | **7.3K** | 3 |
| Positive reviews | 93.9% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | **Free** | Ad-supported |
| Size | 441 MB | 77 MB |
| Requires iOS | **17.0** | 17.6 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Banco Plata, S.A., Institucion de Banca Multiple](https://appshunter.io/developer/1650726978) | [Giovanny Marin Villada](https://appshunter.io/developer/1894757778) |

## What reviewers say

### Plata

[App page](https://appshunter.io/ios/app/plata/id6443932656)

This financial app offers a credit card with real cashback rewards that can be used for payments or cash withdrawals. It provides extended payment deadlines, a user-friendly interface for managing your account, and fast, personalized card delivery. Additionally, it features an investment service to help grow your money.

**Highlights:** Real cashback rewards, Extended payment deadlines, Digital card for secure online shopping, Fast and personalized card delivery, Easy-to-use app interface, Investment services with AI guidance

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Smooth, easy to use
- 🚀 Efficient and fast
- 💳 Excellent credit card features
- 💳 Innovative credit card
- 💳 Great cash back and rewards

**What reviewers complain about**

- 💳 Insufficient credit limit
- 💳 Confusing fees and charges
- 🐛 Occasional technical issues
- 🔒 Security concerns

**Reported bugs**

- Login screen freezes
- Compatibility issues with older devices

**Requested features**

- Increase credit limit options
- Provide more transparency on fees
- Improve mobile app stability


### LoanSmart

[App page](https://appshunter.io/ios/app/loansmart/id6754310689)

This app offers a comprehensive suite of financial calculators for loans and business needs. Easily compute EMIs, explore various loan types, and access over 20 business calculators for taxes, investments, and profit margins. Manage and compare loan scenarios with a clean, user-friendly interface.

**Highlights:** EMI Calculator, Multiple Loan Types, 20+ Business Calculators, Loan Profile Manager, Clean & Easy Interface, Tax & Investment Calculators

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

**In-app purchases:** none


## Frequently asked questions

### Is Plata free?

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

### Is LoanSmart free?

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

### Which has better reviews, Plata or LoanSmart?

LoanSmart is rated higher. Plata averages 4.9 out of 5 from 7.3K ratings, while LoanSmart averages 5.0 from 3 ratings.

### Do Plata or LoanSmart have ads?

LoanSmart shows ads; Plata does not.

### Which is updated more often, Plata or LoanSmart?

Plata ships an update fortnightly, and LoanSmart fortnightly. Most recently, Plata was updated on October 24, 2026 and LoanSmart 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.*