Comparison

Smart Loan Plus vs SIKACASH+

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Smart Loan Plus

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
Read full description

With just small payments to the principal of your loan you can save big money and decrease the time of your loan. Smart Loan Plus provide the tool no bank wants you to know. With simple calculations clearly see you payment and the total paid at the end of your loan, specially the interest paid. Compare loan with clear and visible indicators, save your your favorites and much more. Beat the Bank, and Start Saving TODAY!!! This is an excellent investment and with a purchase of an inexpensive subscription you can Save Thousands of Dollars!!! On your current and future Mortgage and Loans. App Features - Effortless, Accurate, and Fast Calculations. - Calculate Personal, Mortgage & Car Loans. - Save money and reduce your mortgage loan time by making payments to the loan principal. - Save calculation can be done for new or current loan by entering the month you will start doing the extra payments. - Access to your loan amortization table. - Safe your loan and access when needed on Favorite tab. App will allow to edit loan name after saved and delete them as needed. - Smart & Easy “Side by Side” Loan Comparison with visual indicators. - Make informed decisions comparing scenarios specially between payment and interest paid. -Select the best loan option that fit your need. - And Most Important… SAVE MONEY!!!!!!!! Smart Loan Plus Subscription Terms: - This app provides an Auto-renurable subscriptions. - Subscription will unlock all features of the app. - You'll be charged as a recurring transaction through your iTunes account starting at the end of your free trial (unless you cancel during the free trial). - Payment automatically renews unless you cancel your account at least 24 hours before the end of the current subscription month. - You can manage your subscription, cancel anytime, or turn off auto-renewal by accessing your iTunes account. - When canceling a subscription, your subscription will stay active until the end of the period. - Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

SIKACASH+

Send money internationally to Africa with a trusted service. Facilitate fast, secure, and cost-effective transfers to support loved ones and economic development. Send funds via debit or prepaid card to mobile wallets, office pickup, or bank deposit.

Highlights
  • International money transfers
  • Fast and secure transfers
  • Cost-effective rates
  • Multiple payout options (mobile wallet, pickup, bank deposit)
  • Extensive African receiving countries
Features
Read full description

SENDNAFA is trusted international money transfer service, specializing in fast, secure and cost-effective transfers to Africa. Our mission is to empower individuals and communities, facilitating the seamless flow of funds to support loved ones and economic development across the continent. With a user-friendly platform, competitive rates, and a commitment to customer satisfaction, SENDNAFA is your reliable partner for sending money with confidence Money can be sent from your debit or prepaid card to Mobile Wallet, Office Pick Up and Bank Deposit Our receiving countries: -Benin (XOF) -Burkina Faso (XOF) -Cameroon (XAF) -Cote d’Ivoire (XOF) -Gambia (GMD) -Ghana (GHS) -Guinea Conakry (GNF & USD) -Liberia (USD) -Mali (XOF) -Senegal (XOF) -Sierra Leone (SLL & USD) -Togo (XOF)

Screenshots

Smart Loan Plus4 screens
SIKACASH+4 screens

Verdict

The call

The clearest difference is in-app purchases: SIKACASH+ at none against Smart Loan Plus's 5. SIKACASH+ also leads on ratings volume (1.9K vs 1) and device support (3 vs 1). Smart Loan Plus's advantage is rating (5.0 vs 4.6) and update cadence (weekly vs fortnightly). On price, ads and iOS requirement 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. Smart Loan Plus sells 5 in-app purchases, starting at $1.99 per year. SIKACASH+ asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Smart Loan Plus holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: SIKACASH+ has 1.9K ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Smart Loan Plus ships an update weekly, SIKACASH+ fortnightly. The most recent releases landed on June 5, 2026 and September 21, 2026 respectively.

Scorecard6 real differences · 4 level
Smart Loan Plus versus SIKACASH+: the parameters behind the verdict, then further details
ParameterSmart Loan PlusSIKACASH+
PriceFreeFree
Rating5.0 (1 ratings) — better4.6 (1.9K ratings)
Positive reviews—70.6% of reviews
Number of ratings11.9K — better
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.415.0 — better
Further details — not scored
Size5 MB63 MB
Age rating4+17+
DeveloperRoberto J Franqui RodriguezNafa

Customer experience

Smart Loan Plus

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

SIKACASH+

All ratings1,942 ratings
Positive88.6%
Neutral3.6%
Negative7.8%
Written reviews17 reviews
Positive70.6%
Neutral0.0%
Negative29.4%

Bugs and requests

Smart Loan Plus

Not enough reviews yet to summarise bugs or requests.

SIKACASH+

Reported bugs

2 issues
  • Delayed money arrival
  • Unresponsive to phone and WhatsApp inquiries

Requested features

2 requests
  • Faster transaction processing
  • Improved customer support channels

In-app purchases

5 purchases

Smart Loan Plus

Subscriptions5
  • All Access3 Days trial$1.991 Year
  • All Access$3.991 Month
  • All Access3 Days trial$3.991 Month
Show 2 more
  • All Access$29.991 Year
  • All Access14 Days trial$29.991 Year
None

SIKACASH+

No in-app purchases

Questions

Is Smart Loan Plus free?
Smart Loan Plus is free to download, with in-app purchases available.
Is SIKACASH+ free?
SIKACASH+ is free to download, with no in-app purchases.
Which has better reviews, Smart Loan Plus or SIKACASH+?
Smart Loan Plus is rated higher. Smart Loan Plus averages 5.0 out of 5 from 1 ratings, while SIKACASH+ averages 4.6 from 1.9K ratings.
Do Smart Loan Plus or SIKACASH+ have ads?
Neither Smart Loan Plus nor SIKACASH+ shows ads.
Which is updated more often, Smart Loan Plus or SIKACASH+?
Smart Loan Plus ships an update weekly, and SIKACASH+ fortnightly. Most recently, Smart Loan Plus was updated on June 5, 2026 and SIKACASH+ on September 21, 2026.

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