# au PAY チャージや残高確認できるauのスマホ決済アプリ vs dスマホローン　ドコモのアプリローンでキャッシング・お借入れ

au PAY チャージや残高確認できるauのスマホ決済アプリ and dスマホローン　ドコモのアプリローンでキャッシング・お借入れ both sit at 4.5 stars, but that hides the real split: 42% of dスマホローン　ドコモのアプリローンでキャッシング・お借入れ's written reviews are positive against 5% of au PAY チャージや残高確認できるauのスマホ決済アプリ's. dスマホローン　ドコモのアプリローンでキャッシング・お借入れ also leads on ads (none vs shown) and ratings volume (8.1K vs 191). au PAY チャージや残高確認できるauのスマホ決済アプリ's advantage is update cadence (fortnightly vs every 6 months). On price, rating, 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.

dスマホローン　ドコモのアプリローンでキャッシング・お借入れ holds the better App Store score, 4.7 against 4.5. That said, the two scores are not equally well evidenced: dスマホローン　ドコモのアプリローンでキャッシング・お借入れ has 8.1K ratings behind it against 191, so its average is the more settled of the two. Written reviews point the same way: 5% of au PAY チャージや残高確認できるauのスマホ決済アプリ's written reviews are positive against 42% of dスマホローン　ドコモのアプリローンでキャッシング・お借入れ's.

au PAY チャージや残高確認できるauのスマホ決済アプリ ships an update fortnightly, dスマホローン　ドコモのアプリローンでキャッシング・お借入れ every 6 months. Both last shipped on October 19, 2026.

## The numbers

| Metric | au PAY チャージや残高確認できるauのスマホ決済アプリ | dスマホローン　ドコモのアプリローンでキャッシング・お借入れ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (191 ratings)](https://appshunter.io/ios/app/au-pay-au/id862800897/reviews) | **[4.7 (8.1K ratings)](https://appshunter.io/ios/app/d/id1567353128/reviews)** |
| Number of ratings | 191 | **8.1K** |
| Positive reviews | 4.5% of reviews | **42.2% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 6 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 227 MB | 66 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KDDI CORPORATION](https://appshunter.io/developer/448137434) | [株式会社NTTドコモ](https://appshunter.io/developer/396813773) |

## What reviewers say

### au PAY チャージや残高確認できるauのスマホ決済アプリ

[App page](https://appshunter.io/ios/app/au-pay-au/id862800897)

Manage your mobile payment services, check balances, and view transaction history. Easily pay with QR codes, track your points, and find participating merchants. This app simplifies your digital wallet experience.

**Highlights:** QR code payments, Balance and transaction history, Ponta point tracking, Credit card information, Easy balance top-up, Merchant and point-up store search

**Features:** Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none


### dスマホローン　ドコモのアプリローンでキャッシング・お借入れ

[App page](https://appshunter.io/ios/app/d/id1567353128)

This service offers a smartphone-based loan application and management process. Users can apply using their existing account and may receive preferential interest rates based on their service usage. Funds can be transferred directly to a payment balance or a bank account.

**Highlights:** Smartphone-based application and contract, Preferential interest rates based on service usage, Transfer to payment balance or bank account, Instant transfers to payment balance, 24/7 transfers to bank accounts, Flexible additional repayments, Easy usage status tracking

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick loan approval and disbursement
- 👍 Easy borrowing and repayment
- ⏱️ Fast application process
- 🤝 Convenient for urgent needs
- 📱 Simple and user-friendly app

**What reviewers complain about**

- 🤔 Unclear interest rates and basic rates
- 😫 Troublesome authentication process
- ❌ Income proof submission errors
- 🚫 Cannot apply without My Number Card
- 😵 App screen is blank/frozen

**Reported bugs**

- Income proof submission error
- App screen is blank or white
- App freezes upon opening
- Login loop (network password and passkey)
- Online identity verification not working

**Requested features**

- Add Poinko animation upon loan approval
- Improve camera accuracy for document scanning
- Implement scan function for document text recognition


## Frequently asked questions

### Is au PAY チャージや残高確認できるauのスマホ決済アプリ free?

au PAY チャージや残高確認できるauのスマホ決済アプリ is free to download, with no in-app purchases.

### Is dスマホローン　ドコモのアプリローンでキャッシング・お借入れ free?

dスマホローン　ドコモのアプリローンでキャッシング・お借入れ is free to download, with no in-app purchases.

### Which has better reviews, au PAY チャージや残高確認できるauのスマホ決済アプリ or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ?

dスマホローン　ドコモのアプリローンでキャッシング・お借入れ is rated higher. au PAY チャージや残高確認できるauのスマホ決済アプリ averages 4.5 out of 5 from 191 ratings, while dスマホローン　ドコモのアプリローンでキャッシング・お借入れ averages 4.7 from 8.1K ratings.

### Do au PAY チャージや残高確認できるauのスマホ決済アプリ or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ have ads?

au PAY チャージや残高確認できるauのスマホ決済アプリ shows ads; dスマホローン　ドコモのアプリローンでキャッシング・お借入れ does not.

### Which is updated more often, au PAY チャージや残高確認できるauのスマホ決済アプリ or dスマホローン　ドコモのアプリローンでキャッシング・お借入れ?

au PAY チャージや残高確認できるauのスマホ決済アプリ ships an update fortnightly, and dスマホローン　ドコモのアプリローンでキャッシング・お借入れ every 6 months. Most recently, au PAY チャージや残高確認できるauのスマホ決済アプリ was updated on October 19, 2026 and dスマホローン　ドコモのアプリローンでキャッシング・お借入れ on October 19, 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.*