# Unloan vs Kinba

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.

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

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.

## The numbers

| Metric | Unloan | Kinba |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 75.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free | — |
| Size | 82 MB | 93 MB |
| Requires iOS | **15.1** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Commonwealth Bank of Australia](https://appshunter.io/developer/310251205) | [Nicole Graham](https://appshunter.io/developer/1754289899) |

## What reviewers say

### Unloan

[App page](https://appshunter.io/ios/app/unloan/id6464555781)

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:** macOS Compatibility

**In-app purchases:** none


### Kinba

[App page](https://appshunter.io/ios/app/kinba/id6504902328)

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Kinba Family Membership | $1.99 | per month |
| Kinba Family Membership | $3.99 | per month |
| Kinba Family Membership | $24.99 | per year |


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