# Zelia Finance vs EarnIT.ng

The clearest difference is ads: EarnIT.ng at none against Zelia Finance's shown. EarnIT.ng also leads on update cadence (fortnightly vs every 4 months) and ratings volume (67 vs 1). Zelia Finance's advantage is rating (5.0 vs 4.7) and iOS requirement (13.1 vs 15.0). On price, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Zelia Finance holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: EarnIT.ng has 67 ratings behind it against 1, so its average is the more settled of the two.

Zelia Finance ships an update every 4 months, EarnIT.ng fortnightly. The most recent releases landed on October 30, 2026 and November 9, 2026 respectively.

## The numbers

| Metric | Zelia Finance | EarnIT.ng |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/zelia-finance/id6469104849/reviews)** | [4.7 (67 ratings)](https://appshunter.io/ios/app/earnitng/id6769645683/reviews) |
| Number of ratings | 1 | **67** |
| Positive reviews | — | 96.4% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Fortnightly** |
| Monetization | Ad-supported | **Free** |
| Size | 45 MB | 36 MB |
| Requires iOS | **13.1** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Zelia Services Limited](https://appshunter.io/developer/1711560745) | [Ocean Trends Digital Limited](https://appshunter.io/developer/1651452174) |

## What reviewers say

### Zelia Finance

[App page](https://appshunter.io/ios/app/zelia-finance/id6469104849)

Access convenient credit facilities with this neo-bank designed for underserved Nigerian markets. Secure loans for tuition, personal needs, or business projects with transparent repayment terms and competitive rates. Funds are disbursed directly to your Zelia wallet for easy transactions.

**Highlights:** Access to credit facilities, Loans for tuition, students, and SMEs, Repayment terms from 61 to 365 days, Annual Percentage Rates (APRs) from 2% - 36%, Funds disbursed to Zelia wallet, Streamlined KYC process

**Features:** macOS Compatibility

**In-app purchases:** none


### EarnIT.ng

[App page](https://appshunter.io/ios/app/earnitng/id6769645683)

Manage everyday payments, from bills and gift cards to travel eSIMs, all within a single wallet. Earn money by completing simple online tasks or through a referral program. Buy and sell products securely on the marketplace.

**Highlights:** Pay bills (airtime, data, electricity, TV), Buy gift cards, Purchase travel eSIMs, Earn from online tasks, Buy and sell on marketplace, Create and send invoices, Secure escrow services

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Zelia Finance free?

Zelia Finance is free to download, with no in-app purchases.

### Is EarnIT.ng free?

EarnIT.ng is free to download, with no in-app purchases.

### Which has better reviews, Zelia Finance or EarnIT.ng?

Zelia Finance is rated higher. Zelia Finance averages 5.0 out of 5 from 1 ratings, while EarnIT.ng averages 4.7 from 67 ratings.

### Do Zelia Finance or EarnIT.ng have ads?

Zelia Finance shows ads; EarnIT.ng does not.

### Which is updated more often, Zelia Finance or EarnIT.ng?

Zelia Finance ships an update every 4 months, and EarnIT.ng fortnightly. Most recently, Zelia Finance was updated on October 30, 2026 and EarnIT.ng on November 9, 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.*