Comparison

Neocash Mobile vs UniAbuja

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

Head to head
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

About

UniAbuja

Features
Read full description

This mobile banking app is more than just a tool, it's your financial companion. Built for seamless banking experience that reflects the values of empowerment and financial independence, it gives you full access to your bank account anytime, anywhere with secure transactions, real-time balance updates, easy fund transfers, beneficiary management and much more all in one place.

Screenshots

Neocash Mobile4 screens
UniAbuja4 screens

Verdict

The call

The clearest difference is update cadence: Neocash Mobile at every 3 weeks against UniAbuja's every 3 months. 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

Neocash Mobile ships an update every 3 weeks, UniAbuja every 3 months. Both last shipped on October 24, 2026.

Scorecard1 real difference · 9 level
Neocash Mobile versus UniAbuja: the parameters behind the verdict, then further details
ParameterNeocash MobileUniAbuja
PriceFreeFree
Rating3.7 (6 ratings) — better—
Positive reviews14.3% of reviews—
Number of ratings6 — better—
Update frequencyEvery 3 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.615.1 — better
Further details — not scored
Size159 MB47 MB
Age rating17+4+
DeveloperShephard Trust BankNigeria Inter-bank Settlement System

In-app purchases

None

Neocash Mobile

No in-app purchases

None

UniAbuja

No in-app purchases

Questions

Is Neocash Mobile free?
Neocash Mobile is free to download, with no in-app purchases.
Is UniAbuja free?
UniAbuja is free to download, with no in-app purchases.
Do Neocash Mobile or UniAbuja have ads?
Neither Neocash Mobile nor UniAbuja shows ads.
Which is updated more often, Neocash Mobile or UniAbuja?
Neocash Mobile ships an update every 3 weeks, and UniAbuja every 3 months. Most recently, Neocash Mobile was updated on October 24, 2026 and UniAbuja on October 24, 2026.

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