Comparison

Neocash Mobile vs EndowPay

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

EndowPay

This app simplifies daily financial transactions, allowing users to manage payments, bills, and gift cards from a single platform. It offers instant mobile top-ups, bill payments, and secure gift card management for convenience.

Highlights
  • Instant airtime and mobile data top-ups
  • Hassle-free electricity and cable TV bill payments
  • Secure betting account funding
  • Easy gift card sending and redemption
  • Single app for transport payments
Read full description

EndowPay – Your All-in-One Digital Wallet for Everyday Payments EndowPay is a fast, secure, and reliable Nigerian fintech app designed to simplify your daily payments. With just a few taps, you can manage all your essential transactions in one place. - Top up airtime & buy mobile data instantly - Pay electricity & cable TV bills without hassle - Fund betting accounts securely - Send and redeem gift cards with ease - Pay for transport & more from a single app Whether you’re recharging your phone, paying household bills, or sending a quick gift, EndowPay gives you the convenience, speed, and security you need. Take control of your payments today — download EndowPay and experience stress-free transactions anytime, anywhere.

Screenshots

Neocash Mobile4 screens
EndowPay4 screens

Verdict

The call

The clearest difference is rating: Neocash Mobile at 3.7 against EndowPay's 3.0. Neocash Mobile also leads on ratings volume (6 vs 2). EndowPay's advantage is monetization model (free vs ad-supported). On price, update cadence, ads and in-app purchases 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

Neocash Mobile holds the better App Store score, 3.7 against 3.0. Both are backed by a comparable volume of ratings — 6 and 2 respectively.

UpkeepUpdate frequency

Neocash Mobile ships an update every 3 weeks, EndowPay every 11 days. The most recent releases landed on October 17, 2026 and October 6, 2026 respectively.

Scorecard3 real differences · 7 level
Neocash Mobile versus EndowPay: the parameters behind the verdict, then further details
ParameterNeocash MobileEndowPay
PriceFreeFree
Rating3.7 (6 ratings) — better3.0 (2 ratings)
Positive reviews14.3% of reviews—
Number of ratings6 — better2
Update frequencyEvery 3 weeksEvery 11 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.615.6
Further details — not scored
Size159 MB57 MB
Age rating17+4+
DeveloperShephard Trust BankEndowPay

Customer experience

Neocash Mobile

All ratings6 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews14 reviews
Positive14.3%
Neutral7.1%
Negative78.6%

EndowPay

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

In-app purchases

None

Neocash Mobile

No in-app purchases

None

EndowPay

No in-app purchases

Questions

Is Neocash Mobile free?
Neocash Mobile is free to download, with no in-app purchases.
Is EndowPay free?
EndowPay is free to download, with no in-app purchases.
Which has better reviews, Neocash Mobile or EndowPay?
Neocash Mobile is rated higher. Neocash Mobile averages 3.7 out of 5 from 6 ratings, while EndowPay averages 3.0 from 2 ratings.
Do Neocash Mobile or EndowPay have ads?
Neither Neocash Mobile nor EndowPay shows ads.
Which is updated more often, Neocash Mobile or EndowPay?
Neocash Mobile ships an update every 3 weeks, and EndowPay every 11 days. Most recently, Neocash Mobile was updated on October 17, 2026 and EndowPay on October 6, 2026.

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