# Smart Loan Plus vs SIKACASH+

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.

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.

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.

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

## The numbers

| Metric | Smart Loan Plus | SIKACASH+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/smart-loan-plus/id6462837474/reviews)** | [4.6 (1.9K ratings)](https://appshunter.io/ios/app/sikacash-plus/id6470394807/reviews) |
| Number of ratings | 1 | **1.9K** |
| Positive reviews | — | 70.6% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | Freemium | **Free** |
| Size | 5 MB | 63 MB |
| Requires iOS | 16.4 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Roberto J Franqui Rodriguez](https://appshunter.io/developer/1680428662) | [Nafa](https://appshunter.io/developer/1679368204) |

## What reviewers say

### 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 |


### SIKACASH+

[App page](https://appshunter.io/ios/app/sikacash-plus/id6470394807)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and easy to use
- 🔒 Secure money transfers
- 👍 Great customer service

**What reviewers complain about**

- 🐛 Slow transaction speed
- ❌ Poor responsiveness to customer inquiries
- 🚫 Lack of customer support

**Reported bugs**

- Delayed money arrival
- Unresponsive to phone and WhatsApp inquiries

**Requested features**

- Faster transaction processing
- Improved customer support channels


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*