# PPS Member App vs Smart Loan Plus

The clearest difference is in-app purchases: PPS Member App at none against Smart Loan Plus's 5. PPS Member App also leads on device support (3 vs 1) and iOS requirement (13.0 vs 16.4). Smart Loan Plus's advantage is update cadence (weekly vs every 4 months). On price and ads there is nothing between them.

Both are free to download. Smart Loan Plus sells 5 in-app purchases, starting at $1.99 per year. PPS Member App asks for nothing beyond the download.

PPS Member App ships an update every 4 months, Smart Loan Plus weekly. The most recent releases landed on October 7, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | PPS Member App | Smart Loan Plus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/smart-loan-plus/id6462837474/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Weekly** |
| Monetization | — | Freemium |
| Size | 29 MB | 5 MB |
| Requires iOS | **13.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Parliamentary Pension Scheme](https://appshunter.io/developer/1520343810) | [Roberto J Franqui Rodriguez](https://appshunter.io/developer/1680428662) |

## What reviewers say

### PPS Member App

[App page](https://appshunter.io/ios/app/pps-member-app/id6444348617)

**Features:** macOS Compatibility

**In-app purchases:** none


### Smart Loan Plus

[App page](https://appshunter.io/ios/app/smart-loan-plus/id6462837474)

This app helps you save money on loans and mortgages by calculating the impact of extra principal payments. Compare loan scenarios, visualize interest savings, and reduce your loan term.

**Highlights:** Calculate personal, mortgage, and car loans, Visualize interest savings and reduced loan terms, Compare loan scenarios side-by-side, Access loan amortization tables, Save and manage favorite loan calculations

**Features:** macOS Compatibility

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| All Access | $1.99 | per year |
| All Access | $3.99 | per month |
| All Access | $3.99 | per month |
| All Access | $29.99 | per year |
| All Access | $29.99 | per year |


## Frequently asked questions

### Is PPS Member App free?

PPS Member App is free to download, with no in-app purchases.

### Is Smart Loan Plus free?

Smart Loan Plus is free to download, with in-app purchases available.

### Do PPS Member App or Smart Loan Plus have ads?

Neither PPS Member App nor Smart Loan Plus shows ads.

### Which is updated more often, PPS Member App or Smart Loan Plus?

PPS Member App ships an update every 4 months, and Smart Loan Plus weekly. Most recently, PPS Member App was updated on October 7, 2026 and Smart Loan Plus on September 22, 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.*