# Kojo Credit vs Nova

The clearest difference is in-app purchases: Kojo Credit at none against Nova's 3. Nova's advantage is iOS requirement (13.0 vs 15.1). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Nova sells 3 in-app purchases, starting at $3.99 per 7 days. Kojo Credit asks for nothing beyond the download.

Kojo Credit ships an update every 3 weeks, Nova every 2 weeks. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Kojo Credit | Nova |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/kojo-credit/id6755716768/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | — |
| Size | 78 MB | 31 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Kaizen Payments Corporation](https://appshunter.io/developer/1841942070) | [鹏宇 王](https://appshunter.io/developer/1542327123) |

## What reviewers say

### Kojo Credit

[App page](https://appshunter.io/ios/app/kojo-credit/id6755716768)

Manage overdue balances and improve your financial health. This tool helps you track outstanding payments and stay organized with your finances.

**Highlights:** Track overdue balances, Financial wellness improvement, Stay on track with payments, Organize finances

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

**In-app purchases:** none


### Nova

[App page](https://appshunter.io/ios/app/nova-ai-notes/id6758855003)

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Nova Pro weekly subscription | $3.99 | per 7 days |
| Nova Pro Premium Monthly | $12.99 | per month |
| Nova Pro Premium Yearly | $69.99 | per year |


## Frequently asked questions

### Is Kojo Credit free?

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

### Is Nova free?

Nova is free to download, with in-app purchases available.

### Do Kojo Credit or Nova have ads?

Neither Kojo Credit nor Nova shows ads.

### Which is updated more often, Kojo Credit or Nova?

Kojo Credit ships an update every 3 weeks, and Nova every 2 weeks. Most recently, Kojo Credit was updated on October 30, 2026 and Nova on October 31, 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.*