# Crediviva vs Arka

Crediviva and Arka both sit at 5.0 stars, but that hides the real split: 100% of Crediviva's written reviews are positive against 0% of Arka's. Arka's advantage is ratings volume (25 vs 7). On price, rating, update cadence and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 5.0 for Crediviva against 4.9 for Arka. Both are backed by a comparable volume of ratings — 7 and 25 respectively. Written reviews are what separate them: 100% of Crediviva's written reviews are positive against 0% of Arka's.

Crediviva ships an update every 3 weeks, Arka every 2 weeks. The most recent releases landed on October 8, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Crediviva | Arka |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (7 ratings)](https://appshunter.io/ios/app/crediviva/id6502125656/reviews)** | [4.9 (25 ratings)](https://appshunter.io/ios/app/arka/id6740244711/reviews) |
| Number of ratings | 7 | **25** |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 152 MB | 230 MB |
| Requires iOS | **15.0** | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Crediviva](https://appshunter.io/developer/1744458070) | [Arka Group S,A](https://appshunter.io/developer/1789150360) |

## What reviewers say

### Crediviva

[App page](https://appshunter.io/ios/app/crediviva/id6502125656)

Acquire desired items through manageable installments with this app. It offers a 4-step digital process to use credit lines at affiliated stores and pay with QR codes. Enjoy flexible payment plans up to 24 months and exclusive 0% APR offers.

**Highlights:** Installment purchases, Up to 24 monthly installments, 0% APR offers, 100% digital process, QR code payments, Account management, Over 25 affiliated stores

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

**In-app purchases:** none


### Arka

[App page](https://appshunter.io/ios/app/arka/id6740244711)

Invest in global markets and build a diversified portfolio with ease. This app offers expert-curated funds and financial education, making smart investing accessible to everyone. Start building your financial future with just $10.

**Highlights:** Quick and easy investment setup, Diversified global market funds, Personalized investor profile, Invest from $10, Compound interest calculator, Financial education content

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

**In-app purchases:** none


## Frequently asked questions

### Is Crediviva free?

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

### Is Arka free?

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

### Which has better reviews, Crediviva or Arka?

Crediviva is rated higher. Crediviva averages 5.0 out of 5 from 7 ratings, while Arka averages 4.9 from 25 ratings.

### Do Crediviva or Arka have ads?

Neither Crediviva nor Arka shows ads.

### Which is updated more often, Crediviva or Arka?

Crediviva ships an update every 3 weeks, and Arka every 2 weeks. Most recently, Crediviva was updated on October 8, 2026 and Arka on October 5, 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.*