Comparison

Neocash Mobile vs Core by Princeps

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

Core by Princeps

Access and manage your money with this financial services app. Apply for credit, fund your wallet, and pay bills like electricity and data seamlessly. It offers a secure and transparent platform for everyday financial needs.

Highlights
  • Apply for loans
  • Manage digital wallet
  • Pay bills (electricity, data, airtime)
  • Secure transactions with encryption
  • Transparent interest rates and fees
  • User-friendly interface
Features
Read full description

Core by Princeps is a Princeps Credit Systems Limited financial services mobile application designed to simplify how you access and manage money. With Core, you can apply for credit, manage your wallet and pay bills seamlessly — all in one unified digital experience. Whether you need quick access to loans, want to top up your wallet to pay essential bills like electricity, data and subscriptions, Core by Princeps provides a secure and reliable platform tailored to your everyday financial needs. Key Features Loan App Nigeria: Apply for loans directly from your mobile device. Core offers transparent interest rates and repayment schedules, showing the full repayment amount upfront so there are no surprises. Wallet Services: Fund your wallet easily and use it to make payments on the app. Your wallet balance is always visible, giving you full control over your spending. Bill Payment: Pay for electricity, airtime, data, cable TV, and other essential services quickly and securely. Core by Princeps ensures your transactions are processed instantly. Secure Transactions: Your data and money are protected with industry‑standard encryption and compliance with Nigerian financial regulations. User-Friendly Design: A clean interface makes it easy to navigate, whether you’re applying for loans or paying bills. Why Choose Core by Princeps? Core by Princeps is built to give Nigerians peace of mind when managing their finances. We understand that financial services should be simple, transparent and accessible and that is why the app combines multiple services saving you time and effort. Transparency: We clearly display repayment amounts and fees. Convenience: Access loans, wallet funding and bill payments without switching apps. Reliability: Transactions are processed quickly, with instant confirmations. Security: Your personal and financial information is safeguarded at all times. Who Can Use Core by Princeps? Core by Princeps is designed for individuals across Nigeria who want a smarter way to manage their money. Whether you are a student paying for data, a professional handling utility bills, or someone in need of quick credit, Core by Princeps adapts to your lifestyle. Download Core by Princeps and experience financial services made simple. Fund your wallet, pay bills, access loans — all in one secure app built for Nigerians.

Screenshots

Neocash Mobile4 screens
Core by Princeps4 screens

Verdict

The call

The clearest difference is rating: Neocash Mobile at 3.7 against Core by Princeps's 3.0. Neocash Mobile also leads on update cadence (every 3 weeks vs every 6 weeks) and ratings volume (6 vs 1). Core by Princeps's advantage is monetization model (free vs ad-supported). 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.

ReceptionRating · Positive reviews · Number of ratings

Neocash Mobile holds the better App Store score, 3.7 against 3.0. That said, the two scores are not equally well evidenced: Neocash Mobile has 6 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Neocash Mobile ships an update every 3 weeks, Core by Princeps every 6 weeks. Both last shipped on October 24, 2026.

Scorecard5 real differences · 5 level
Neocash Mobile versus Core by Princeps: the parameters behind the verdict, then further details
ParameterNeocash MobileCore by Princeps
PriceFreeFree
Rating3.7 (6 ratings) — better3.0 (1 ratings)
Positive reviews14.3% of reviews—
Number of ratings6 — better1
Update frequencyEvery 3 weeks — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.6 — better17.0
Further details — not scored
Size159 MB148 MB
Age rating17+17+
DeveloperShephard Trust BankPrinceps Finance

Customer experience

Neocash Mobile

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

Core by Princeps

All ratings1 ratings
Positive0.0%
Neutral100.0%
Negative0.0%

In-app purchases

None

Neocash Mobile

No in-app purchases

None

Core by Princeps

No in-app purchases

Questions

Is Neocash Mobile free?
Neocash Mobile is free to download, with no in-app purchases.
Is Core by Princeps free?
Core by Princeps is free to download, with no in-app purchases.
Which has better reviews, Neocash Mobile or Core by Princeps?
Neocash Mobile is rated higher. Neocash Mobile averages 3.7 out of 5 from 6 ratings, while Core by Princeps averages 3.0 from 1 ratings.
Do Neocash Mobile or Core by Princeps have ads?
Neither Neocash Mobile nor Core by Princeps shows ads.
Which is updated more often, Neocash Mobile or Core by Princeps?
Neocash Mobile ships an update every 3 weeks, and Core by Princeps every 6 weeks. Most recently, Neocash Mobile was updated on October 24, 2026 and Core by Princeps on October 24, 2026.

Other comparisons