JOI vs SmallSmall
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
JOI
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“Just Own It" is an e-commerce application with a special offering of an instant asset financing process that aggregates credit offerings from different banks in one platform. The Application is available to all customers of registered Bank(s) on the Platform. Users can browse through and purchase products available on the platform either outright (one-off) or by using an installment payment (monthly repayment) option provided by partnering BNPL payment gateways. The Application helps customers enjoy the following: - Access to devices and appliances through a robust loan Asset acquisition process. - Attractive rates for Assets of choice and options for delivery. - Flexible Repayment Plan These assets are in the category of: · Mobile · Consumer Electronics · Computing · Software · Power · Prints and more. To enjoy the App simply do the following below: 1. Download the App 2. Click on Signup 3. Login 4. View devices and make a request 5. Select bank of choice 6. Select delivery type 7. Submit a request 8. Receives an OTP for validation 9. Bank does KYC 10. Notification of Asset loan approval 11. Disbursement
SmallSmall
This app simplifies shopping by allowing users to spread payments over time. Avoid large upfront costs and manage purchases with flexible installment options. Get the items you need without financial stress.
- Convenient installment payments
- Spread payments over time
- Flexible payment options
- Budget-friendly shopping
- Simplified payment process
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Meet our Convenient Installment Payment App designed to make your shopping experience easier and more flexible. No more stressing over big upfront costs. With our app, you can spread out your payments over time, giving you more control and peace of mind. Whether you're buying electronics, gadgets, or household essentials, our straightforward app lets you choose how you pay making it simple to fit purchases into your budget. It’s all about giving you the freedom to get what you need without the financial hassle. Download our Installment Payment App today and enjoy the flexibility to shop smarter, not harder.
Screenshots
Verdict
The clearest difference is update cadence: SmallSmall at every 3 weeks against JOI's every 2 months. JOI's advantage is iOS requirement (12.0 vs 15.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
JOI ships an update every 2 months, SmallSmall every 3 weeks. The most recent releases landed on October 10, 2026 and October 24, 2026 respectively.
| Parameter | JOI | SmallSmall |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.2 (5 ratings) — better |
| Number of ratings | — | 5 — better |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 76 MB | 90 MB |
| Age rating | 17+ | 4+ |
| Developer | Technology distributions Ltd | Smallsmall Technology |
In-app purchases
JOI
No in-app purchases
SmallSmall
No in-app purchases
