# SmartCredit® vs Dealerwave

The clearest difference is review sentiment: Dealerwave at 100% against SmartCredit®'s 34%. Dealerwave also leads on rating (5.0 vs 3.4) and monetization model (free vs free with in-app purchases). SmartCredit®'s advantage is ratings volume (155 vs 3). On price, ads, 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.

Dealerwave holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: SmartCredit® has 155 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 34% of SmartCredit®'s written reviews are positive against 100% of Dealerwave's.

SmartCredit® ships an update every 3 months, Dealerwave every 3 weeks. The most recent releases landed on October 29, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | SmartCredit® | Dealerwave |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (155 ratings)](https://appshunter.io/ios/app/smartcredit/id783694780/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/dealerwave/id6474559281/reviews)** |
| Number of ratings | **155** | 3 |
| Positive reviews | 33.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 26 MB | 53 MB |
| Requires iOS | 17.6 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [Dealer Automation Services, LLC](https://appshunter.io/developer/1721921303) |

## What reviewers say

### SmartCredit®

[App page](https://appshunter.io/ios/app/smartcredit/id783694780)

Manage your credit score, money, and identity in one app. Get personalized plans to improve your credit, monitor for fraud, and understand your credit reports easily. Features include score tracking, a 120-day improvement plan, and tools to resolve financial issues.

**Highlights:** Credit score tracking, Personalized credit improvement plans, Credit monitoring, ID fraud insurance, Online information exposure monitoring, Credit report analysis, Money management

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 📈 Helps improve credit score
- 💰 Useful for financial management
- 🛡️ Removes personal info from websites
- 🏠 Aids in house buying process

**What reviewers complain about**

- ❌ Login issues are frequent
- 💸 App is often a scam or misleading
- 🚫 Difficult to cancel membership
- 📉 Credit score doesn't improve
- 💰 Charged after cancellation

**Reported bugs**

- App logs out immediately after login
- App won't let users sign in
- App crashes or closes unexpectedly
- App doesn't recognize passwords or reset links
- App keeps redirecting to the website

**Requested features**

- Fix the app so it doesn't redirect to the website
- Allow cancellation through the app
- Improve login functionality
- Make the app usable without crashing
- Offer a free trial


### Dealerwave

[App page](https://appshunter.io/ios/app/dealerwave/id6474559281)

This app streamlines compensation and performance management for automotive dealerships. It uses machine learning to test and predict the performance of pay plans and individuals, offering an intuitive user experience.

**Highlights:** Automated compensation management, Performance prediction, Pay plan testing, Machine learning analytics, Intuitive user experience

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is SmartCredit® free?

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

### Is Dealerwave free?

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

### Which has better reviews, SmartCredit® or Dealerwave?

Dealerwave is rated higher. SmartCredit® averages 3.4 out of 5 from 155 ratings, while Dealerwave averages 5.0 from 3 ratings.

### Do SmartCredit® or Dealerwave have ads?

Neither SmartCredit® nor Dealerwave shows ads.

### Which is updated more often, SmartCredit® or Dealerwave?

SmartCredit® ships an update every 3 months, and Dealerwave every 3 weeks. Most recently, SmartCredit® was updated on October 29, 2026 and Dealerwave on October 13, 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.*