Cashlo vs Cashera
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Cashlo
Access a portion of your earned wages before your next payday. Securely connect your bank account to see your available advance amount and choose your preferred delivery speed. All repayment terms are clearly displayed upfront with no interest or credit checks.
- Access up to $750 before payday
- No interest or credit check
- Clear, upfront repayment terms
- Instant or standard delivery options
- Track advances and repayment history
- Secure bank account connection
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Cashlo helps business owners prepare and manage business-funding requests. Cashlo is not a lender and does not make credit decisions. We help businesses prepare funding requests and connect with third-party funding providers. Approval, available amounts and financing terms are determined by the provider. Funding is not guaranteed. Royal Boudoir Inc. operates Cashlo. Our team reviews application information for completeness and helps arrange referrals to third-party funding providers. Request amounts may be up to $10 million; this is a request limit, not an offer or an available credit limit. YOUR BUSINESS WORKSPACE • Save your application and return to it later • Add business and ownership information • Scan and upload business bank statements • Preview and replace documents • Message the Cashlo team about your request • View team updates and outstanding document requests • Choose optional app lock and update notifications Saving an application does not automatically send it to a funding provider, authorize a credit inquiry or commit you to financing. Any referral, credit authorization, fees and financing terms are disclosed and agreed separately before proceeding. Cashlo team review is not a credit decision. This business workspace does not provide personal loans or paycheck advances and does not require a paid membership. The previous Cashlo monthly membership has been removed from sale. Previous accounts are separate; contact support for help with the earlier service. Support: https://cashlo.net/support.html Privacy Policy: https://cashlo.net/legal/privacy.html Terms of Use: https://cashlo.net/legal/terms.html Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Cashera
Effortlessly manage your finances by chatting with an AI. Log expenses, scan receipts, and gain smart insights to improve your spending habits. Track bills, debts, and split costs with friends.
- AI-powered expense logging via chat
- Receipt scanning and automatic transaction entry
- Smart spending insights and predictions
- Bill splitting with friends
- Debt and recurring bill tracking
- Real-time budget alerts
- Multi-currency and multi-wallet support
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Cashera keeps your spending in order without spreadsheets or notebooks. Write or say what you spent, and it is recorded, categorised and added to your monthly picture in seconds. Record in seconds • Type a line such as “taxi 8, bread 1.20”. Both expenses are saved separately. • Hold the microphone and say it. • Photograph a receipt. Cashera reads the total, the shop and the category. • Add the Apple Pay shortcut once and every tap-to-pay is recorded with the amount, merchant and card. • Import a bank statement in CSV, Excel or PDF to bring in past months at once. Possible duplicates are marked before anything is saved. See the month before it ends • Budgets by category, with an alert at 80% and another when the limit is reached. • A payment calendar for rent, utilities, loans and subscriptions, with a reminder before each due date. • Cashera notices payments that repeat and offers to track them for you. • Savings goals with clear progress. • A short weekly summary every Sunday. Money between people • Debts and customer credit. Record who owes what and share a link the other person can open in any browser. • A gift ledger for weddings and family occasions: what you gave, what you received and from whom. • Shared groups for family, trips or a flat, with balances worked out for you. For small business Cashera Business adds company accounts, purchase and sales invoices, partner contributions and access for your accountant or staff. Your language, your currency Seven languages: Azerbaijani, English, Russian, Turkish, German, Uzbek and Kazakh. 37 currencies with daily exchange rates, including AZN, TRY, KZT, UZS and GEL. Privacy Lock the app with Face ID. Amounts are hidden in our analytics, and your data is never sold. Plans Recording expenses is unlimited on the free plan, which also includes budgets, debts, goals, the gift ledger, 10 AI questions a day and 5 receipt scans a month. Plus removes these limits and adds voice entry, multi-currency, loan tracking, forecasts and export. New accounts get 14 days of Plus with no card required. Business is a separate plan for companies. Cashera keeps records of money you already have. It is not a bank, does not lend money and does not offer credit. Terms of Use: https://cashera.app/terms Privacy Policy: https://cashera.app/privacy
Screenshots
Verdict
The clearest difference is rating: Cashera at 5.0 against Cashlo's 3.3. Cashera also leads on review sentiment (100% vs 65%) and in-app purchases (none vs 1). Cashlo's advantage is ratings volume (72 vs 1). On price, ads, device support and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Cashlo sells 1 in-app purchase, starting at $4.99 per month. Cashera asks for nothing beyond the download.
Cashera holds the better App Store score, 5.0 against 3.3. That said, the two scores are not equally well evidenced: Cashlo has 72 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 65% of Cashlo's written reviews are positive against 100% of Cashera's.
Cashlo ships an update every 5 days, Cashera daily. Both last shipped on October 31, 2026.
| Parameter | Cashlo | Cashera |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (72 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 64.9% of reviews | 100.0% of reviews — better |
| Number of ratings | 72 — better | 1 |
| Update frequency | Every 5 days | Daily — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.1 — better | 16.0 |
| Further details — not scored | ||
| Size | 29 MB | 45 MB |
| Age rating | 4+ | 4+ |
| Developer | Royal Boudoir inc | ProTech Solutions Group MMC |
Customer experience
Cashlo
Cashera
In-app purchases
Cashlo
- Cashlo membership$4.991 Month
Cashera
No in-app purchases







