# SmartFin vs Molo Molo Pay

The clearest difference is rating: SmartFin at 4.8 against Molo Molo Pay's 4.2. Molo Molo Pay's advantage is update cadence (every 5 days vs every 2 weeks) and ratings volume (19 vs 5). On price, ads, in-app purchases and monetization model there is nothing between them.

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

SmartFin holds the better App Store score, 4.8 against 4.2. Both are backed by a comparable volume of ratings — 5 and 19 respectively.

SmartFin ships an update every 2 weeks, Molo Molo Pay every 5 days. Both last shipped on October 30, 2026.

## The numbers

| Metric | SmartFin | Molo Molo Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/smartfin-app/id6474931765/reviews)** | [4.2 (19 ratings)](https://appshunter.io/ios/app/molo-molo-pay/id6502276147/reviews) |
| Number of ratings | 5 | **19** |
| Positive reviews | — | 86.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 5 days** |
| Monetization | Free | Free |
| Size | 183 MB | 118 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Colombe Djirebo](https://appshunter.io/developer/1722327934) | [MOLO MOLO](https://appshunter.io/developer/1744859531) |

## What reviewers say

### SmartFin

[App page](https://appshunter.io/ios/app/smartfin-app/id6474931765)

Manage your wealth, credits, personal budgets, and investments with this innovative personal finance tool. It offers a simple and effective way to oversee your financial assets and make informed investment decisions.

**Highlights:** Wealth management, Credit tracking, Personal budgeting, Investment management, Financial planning

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

**In-app purchases:** none


### Molo Molo Pay

[App page](https://appshunter.io/ios/app/molo-molo-pay/id6502276147)

This app allows users to purchase items by saving up gradually over time. Reserve products, save progressively, and receive them once your savings goal is met. It offers a secure, interest-free way to buy goods without needing credit.

**Highlights:** Reserve products and save gradually, Pay in up to 365 installments, Create personalized savings goals, Secure transactions with advanced technology, Wide range of products and categories, Multiple deposit and withdrawal options

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

**In-app purchases:** none


## Frequently asked questions

### Is SmartFin free?

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

### Is Molo Molo Pay free?

Molo Molo Pay is free to download, with no in-app purchases.

### Which has better reviews, SmartFin or Molo Molo Pay?

SmartFin is rated higher. SmartFin averages 4.8 out of 5 from 5 ratings, while Molo Molo Pay averages 4.2 from 19 ratings.

### Do SmartFin or Molo Molo Pay have ads?

Neither SmartFin nor Molo Molo Pay shows ads.

### Which is updated more often, SmartFin or Molo Molo Pay?

SmartFin ships an update every 2 weeks, and Molo Molo Pay every 5 days. Most recently, SmartFin was updated on October 30, 2026 and Molo Molo Pay on October 30, 2026.

---

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