Comparison

Unloan vs Kinba

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

Head to head
About

Unloan

Manage your home loan digitally with a low interest rate and no ongoing fees. Track payments, optimize your loan with insights, and set up automated repayments. Securely access your account anytime, anywhere.

Highlights
  • Low interest rate home loan
  • No ongoing fees
  • Automatic loyalty discount
  • Manage home loan on the go
  • Secure login with FaceID/fingerprint
  • Track upcoming payments
  • Loan and property insights
  • Automated loan repayments
Features
Read full description

We're Unloan, an Australian digital home loan provider built and owned by the Commonwealth Bank of Australia. We're multi award-winning and recognised for delivering outstanding value to customers. Our home loan is designed to help you save more, with a low interest rate, no ongoing fees and an automatic loyalty discount. - Everything you need anywhere, anytime. Manage your home loan on the go and view your account balances from the palm of your hand. - Secure and easy to use. Log in quickly with FaceID or fingerprint. - Never miss an update. Keep track of your upcoming payments. - Optimise your home loan with loan and property insights. Track and grow your interest savings, understand your equity position, and pay down your loan faster. - Automated and easy payments. Use Unloan AutoPay to set loan repayments. There’s plenty more on the way. Stay tuned for more features that will help you stay in control of your home loan. Have an idea or got feedback? Tell us what you want in the app or email us at hello@unloan.com.au. Proud winners of: Canstar Outstanding Value Award 2023, 2024 & 2025 Finder Value Home Loan 2025 & 2026, Refinance Variable Home Loan 2026, Owner Occupier P&I Variable 2026 Mozo Low Cost Home Loan 2024 & 2025 Money Magazine Best Value Flexible Home Loan and Best Value Investment Loan 2025 WeMoney Excellent Rates and Fees 2024 & 2025, Best for Value 2025

About

Kinba

Features
Read full description

Kickstart their journey to financial independence with a safe place to practice, learn and grow. Kinba lets kids earn their pocket money by practicing smart money management. And we aren't just talking about saving and budgeting, but essential money concepts like compound interest and financial administration. Why Kinba? Practice Pays: Kids earn their pocket money in the form of daily parent-paid interest, helping them see the benefits of saving and financial patience. Young People Love It: Kinba is educational, but it doesn't feel like it to kids. It’s designed to make learning about money engaging and fun, keeping them excited about growing their financial knowledge. Parental Support: With a parent-controlled fund and practical conversation tips, you can guide your child's financial education and ensure their money is managed safely. Goal-Oriented Saving: Encourages young learners to set and pursue specific financial goals, making saving purposeful and rewarding. Daily Challenges: Engage with simple, daily tasks that teach financial basics without feeling like homework Promoting consistency, not screen time. Designed for regular, brief learning sessions, Kinba fits seamlessly into your busy schedule without the need for prolonged screen time. Works with Cash or Card Cash, Card, Bartering chocolate bars - whatever works for your family, works for Kinba. Safety First: A secure environment where kids can learn and grow financially without real-world risks. Designed for families with children aged 8 to 14, Kinba makes learning about money exciting and rewarding. Download Kinba today and take the first step towards a financially literate future for your child. View our End User License Agreement here: https://www.kinba-money.com/eula-1

Screenshots

Unloan4 screens
Kinba4 screens

Verdict

The call

The clearest difference is in-app purchases: Unloan at none against Kinba's 3. On price, update cadence, ads and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Kinba sells 3 in-app purchases, starting at $1.99 per month. Unloan asks for nothing beyond the download.

UpkeepUpdate frequency

Unloan ships an update every 2 months, Kinba every 3 months. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard1 real difference Β· 7 level
Unloan versus Kinba: the parameters behind the verdict, then further details
ParameterUnloanKinba
PriceFreeFree
Positive reviews75.0% of reviewsβ€”
Update frequencyEvery 2 months β€” betterEvery 3 months
AdsNoNo
In-app purchasesNo β€” betterYes
MonetizationFreeβ€”
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.1 β€” better15.6
Further details β€” not scored
Size82 MB93 MB
Age rating17+4+
DeveloperCommonwealth Bank of AustraliaNicole Graham

In-app purchases

None

Unloan

No in-app purchases

3 purchases

Kinba

Subscriptions3
  • Kinba Family Membership$1.991 Month
  • Kinba Family Membership3 Months trial$3.991 Month
  • Kinba Family Membership3 Months trial$24.991 Year

Questions

Is Unloan free?
Unloan is free to download, with no in-app purchases.
Is Kinba free?
Kinba is free to download, with in-app purchases available.
Do Unloan or Kinba have ads?
Neither Unloan nor Kinba shows ads.
Which is updated more often, Unloan or Kinba?
Unloan ships an update every 2 months, and Kinba every 3 months. Most recently, Unloan was updated on October 24, 2026 and Kinba on October 25, 2026.

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