Borrow vs Kako Loan
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Borrow
Easily track items you lend to or borrow from friends. Features over thirty categories and automatic reminders to ensure timely returns. Syncs data across all devices for convenient access.
- Track lent and borrowed items
- Over 30 predefined categories
- Automatic reminders
- Contact friends via email, SMS, WhatsApp, Instagram
- Cross-device syncing
- Access data anytime, anywhere
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Do you sometimes lend DVDs or PC games to your friends? Do you occasionally borrow money for lunch at the cafeteria? Have you ever wondered who you lent your favorite CD to? With Borrow, you can easily track borrowed and lent items. Over thirty predefined categories make tracking a breeze. After a while, the app sends you a reminder. This way, you can remind your friends via email, SMS, WhatsApp, or Instagram to return your items or politely ask for an extension. This helps you keep track and ensures that nothing gets lost! Furthermore, Borrow works on all your devices and automatically syncs your data so you can access it anytime, anywhere.
Kako Loan
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**Take Control of Your Financial Future with Kako Loan!** Are you planning for a new home, comparing auto loans, or looking to save money through refinancing? Stop the guesswork and start planning with the most elegant and versatile Loan Calculator on the App Store. Designed for both clarity and depth, our app provides professional-grade tools to help you navigate your financial decisions with confidence. From first-time homebuyers to seasoned investors, Kako Loan is your essential companion for financial planning. ### Why Choose Kako Loan? * **SMART AFFORDABILITY CALCULATOR** Not sure where to start? Enter your monthly budget and preferred term, and we’ll show you exactly how much you can afford to borrow. It’s the perfect first step for your house or car hunt. * **POWERFUL REFINANCE ANALYSIS** Is your current loan still the best deal? Compare your existing balance with new market offers to see exactly how much you can save in interest and monthly payments. Our break-even analysis tells you exactly when the switch becomes profitable. * **EVERY LOAN TYPE COVERED** We support more than just standard mortgages. Choose from: - **Annuity:** Fixed monthly payments. - **Declining Balance:** Interest calculated on your remaining debt. - **Flat Rate:** Stable, predictable interest. - **Balloon:** Interest-only repayments with a final principal payment. * **DETAILED REPAYMENT SCHEDULES** Deep dive into your finances with professional amortization tables. See exactly how your payments are split between principal and interest every single month. * **SECURE & SYNCED** Sign in with Google or Apple to securely save your calculations. Access your saved loans and reports across all your devices, anytime, anywhere. * **PREMIUM USER EXPERIENCE** Enjoy a stunning, modern interface designed for focus. With our sleek dark mode and intuitive navigation, financial planning has never looked this good. ### Key Features at a Glance: - Instant calculations for any loan amount and interest rate. - Compare multiple loan options side-by-side. - Export and share professional loan reports. - Supports both English and Khmer languages. - No hidden fees or intrusive ads. **Download Kako Loan today and take the first step toward financial freedom!**
Screenshots
Verdict
The clearest difference is in-app purchases: Kako Loan at none against Borrow's 3. Kako Loan also leads on iOS requirement (15.0 vs 18.0). Borrow's advantage is update cadence (every 3 weeks vs every 2 months) and device support (4 vs 2). On price and ads 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. Borrow sells 3 one-off in-app purchases. Kako Loan asks for nothing beyond the download.
Borrow ships an update every 3 weeks, Kako Loan every 2 months. The most recent releases landed on October 11, 2026 and October 10, 2026 respectively.
| Parameter | Borrow | Kako Loan |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (12 ratings) — better | — |
| Positive reviews | 75.0% of reviews | — |
| Number of ratings | 12 — better | — |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, Mac, Vision Pro — better | iPhone, iPod |
| Requires iOS | 18.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 9 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Tobias Totzek | CHHAY VANDYRICHAT |
In-app purchases
Borrow
- Cup of Coffee$1.99
- Piece of Cake$3.49
- Pizza$7.99
Kako Loan
No in-app purchases








