Lupiya vs Invonote
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Lupiya
This neobank offers accessible financial services in Zambia, providing flexible lending solutions for individuals and small businesses. Borrow without collateral and enjoy transparent fees, with options to build your credit history.
- Flexible loan amounts
- Convenient repayment plans
- No collateral required
- Transparent fees
- Build credit history
- Online loan application
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Lupiya is a pioneering neobank based in Zambia, dedicated to providing accessible and inclusive financial services. Our primary goal is to empower individuals and small businesses through flexible and transparent lending solutions. Why Choose Lupiya? Flexible Loan Amounts: Borrow amounts suited to your needs, from small personal loans to larger business financing. Convenient Repayment Plans: Repayment periods range from 60 days to 60 months, offering flexibility to suit your financial situation. No Collateral Needed: Access loans without the need for physical collateral. Transparent Fees: No hidden fees, no rollover charges, and no transaction fees. Build Your Credit: Timely repayments and increased limit tasks help build your credit limit and reduce future interest rates. Loan Features: Annual Percentage Rate (APR): Ranges from 24% to 56%, depending on loan terms and borrower profile. Example: Borrow ZMW 100,000 over 6 months with an interest rate of 4% per month, totaling ZMW 124,000 repayment. Example Loan Calculation: Borrowed Amount: ZMW 100,000 Loan Term: 6 months Interest Rate: 4% per month Total Interest: 24% for 6 months Total Repayment: ZMW 124,000 How to Get a Loan: Download and Register: Get our app and create an account. Fill Out Basic Information: Complete the application with necessary details. Apply for a Loan: Submit your application online for quick approval. Receive Funds: Approved loans are disbursed directly into your bank account. Eligibility Requirements: Residency: Must be a resident of Zambia. Age: Applicants must be between 18 and 60 years old. Contact Us:For more information, questions, or suggestions, our team is available to assist you. Service Hotline: +260761167020 (Available from 8 AM to 5 PM, Monday to Friday, and 8 AM to 1 PM on Saturdays) Email: info@lupiya.com Office Address: Counting House Unit 1, Suite 1, along Thabo Mbeki Road , Lusaka, Zambia Stay connected with us on social media: Facebook: https://web.facebook.com/Lupiyaloans/?_rdc=1&_rdr LinkedIn: https://www.linkedin.com/company/lupiya/ Check us out here: https://www.lupiya.com/
Invonote
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Invonote makes invoicing simple. Create polished, professional invoices and quotations right from your iPhone no accounting degree required. Whether you're a freelancer billing a client, a contractor sending a quote, or a small business owner staying on top of payments, Invonote gives you everything you need to look professional and get paid faster. What you can do with Invonote: Create detailed invoices and quotations with client information, line items, and custom notes. Tax is calculated automatically so you never have to second-guess your totals. When you're ready, export any document as a clean, professional PDF and share it directly via email, WhatsApp, or any app on your device. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://stevenbp.github.io/invonote/
Screenshots
Verdict
The clearest difference is in-app purchases: Lupiya at none against Invonote's 2. Lupiya also leads on iOS requirement (15.6 vs 18.2). On price, ads 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
Both are free to download. Invonote sells 2 in-app purchases, starting at $4.99 per month. Lupiya asks for nothing beyond the download.
| Parameter | Lupiya | Invonote |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (2 ratings) — better | — |
| Number of ratings | 2 — better | — |
| Update frequency | Monthly | — |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.6 — better | 18.2 |
| Further details — not scored | ||
| Size | 66 MB | 8 MB |
| Age rating | 17+ | 4+ |
| Developer | Lupiya Financial Services Limited | Steven Bweupe |
In-app purchases
Lupiya
No in-app purchases
Invonote
- Pro Monthly Subscription$4.991 Month
- Pro Yearly Subscription$44.991 Year









