Best Kobogo Apps

192+ iOS apps curated and reviewed

3.8 avg rating
20 free apps
Updated August 2026

PayMe is the household name in kobogo, but it's far from the only option. We track 192+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Kobogo Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayMe - Personal loan appPayMe - Personal loan appFree3.6★ (32)NoNoAug 2026
2Carbon: Mobile Banking & LoansCarbon: Mobile Banking & LoansFree4.5★ (10K)NoNoAug 2026
3EasyLoans: Compare LoansEasyLoans: Compare LoansFree3.6★ (398)NoNoAug 2026
4MonibacMonibacFree2.7★ (61)NoNoAug 2026
5KoboSmartKoboSmartFreeNoNoAug 2026
6KōbōKōbōFreeNoNoMay 2026
7Ohere CreditOhere CreditFree3.7★ (3)NoNoAug 2026
8kaelancekaelanceFreeYesNoMay 2026

Top Picks for Kobogo

PayMe - Personal loan app#1

PayMe - Personal loan app by Huey Tech Private Limited

Instant personal loan app
Editor's Choice
💰 Finance
3.6(32 ratings)
Free
PayMe - Personal loan app screenshot 1
PayMe - Personal loan app screenshot 2
PayMe - Personal loan app screenshot 3
PayMe - Personal loan app screenshot 4

This app provides instant personal loans for salaried individuals in India, with amounts ranging from Rs. 2,000 to Rs. 2 Lakh. It offers a 100% paperless process, flexible repayment options, and quick approvals, with funds disbursed directly to your bank account.

Carbon: Mobile Banking & Loans#2

Carbon: Mobile Banking & Loans by Carbon Finance and Investments Limited

Save Money|Transfers| Loans
Strong Contender
💰 Finance
4.5😐(10K ratings)
Free
Carbon: Mobile Banking & Loans screenshot 1
Carbon: Mobile Banking & Loans screenshot 2
Carbon: Mobile Banking & Loans screenshot 3
Carbon: Mobile Banking & Loans screenshot 4
Carbon: Mobile Banking & Loans screenshot 5
Carbon: Mobile Banking & Loans screenshot 6

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

What We Love

  • 🚀 Fast and reliable
  • 💡 Great mobile banking app
  • 👍 Awesome features
  • 🤟 Best loan app

Room to Improve

  • 🐛 Frequent app crashes
  • 🤯 Poor customer service
  • 💸 High interest rates

More Kobogo apps to explore

4
Monibac
Monibac
Monibac
Get access to loans on Monibac
Free

Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.

Collateral-free loansEarn interest on savingsLoans up to 150% of savings
💰 Finance
(61)
free with in-app purchases
5
KoboSmart
KoboSmart
KoboSmart
Best Estate Management App
Free
🔧 Utilities
(0)
6
Kōbō
Kōbō
Kōbō
by LND AND CO
Free
🍔 Food & Drink
(0)
7
Ohere Credit
Ohere Credit
Ohere Credit
Build credit with your card
Free

Access fairer credit, build a credit score, and manage repayments with greater control. Apply for credit, get approved for a card with a starting limit, and spend now to repay later. Extend due dates for a fee and track your credit score to grow your limit.

Apply for creditCredit assessmentAccess Ohere card
💰 Finance
(3)
free
8
kaelance
kaelance
kaelance
Your Financial Future
Free

Manage your payments and convert assets to Naira instantly. This app offers fast, secure withdrawals to Nigerian bank accounts and automated deposit features for effortless financial management.

Instant Naira conversionDirect bank withdrawalsAutomated deposit setup
💰 Finance
(0)
ad-supported
9
LAPO Mobile App
LAPO Mobile App
LAPO Mobile App
by LAPO MFB
Free

Manage your finances on the go with this banking app. It offers self-onboarding, bill payments, transfers, and airtime purchases. Monitor your account and activities with ease.

Self-OnboardingBill PaymentsTransfers
💰 Finance
(35)
free
10
Kobopoint NG
Kobopoint NG
Kobopoint NG
Buy Airtime, Data & Pay bills
Free
💰 Finance
(0)
11
Zedvance: Loans & Bills
Zedvance: Loans & Bills
Zedvance: Loans & Bills
Loans, Bills and Payments
Free

Access quick loans for unexpected expenses or personal aspirations with flexible repayment terms. Easily pay bills like airtime and electricity, and manage your money conveniently on the go. Enjoy secure, transparent financial solutions with 24/7 access and real-time alerts.

Quick loans for unplanned expensesSalary loans with up to 18-month repaymentBill payments (airtime, electricity, data)
💰 Finance
(186)
free with in-app purchases
12
Kabob Boys
Kabob Boys
Kabob Boys
Easy ordering & rewards
Free
🍔 Food & Drink
(0)
13
Kobo Connect
Kobo Connect
Kobo Connect
Kobo - Your Brands OS
Free
📊 Productivity
(0)
14
KOBO
KOBO
KOBO
by Skill Sharing Limited
Free
🛍️ Shopping
(0)
15
PastReads
PastReads
PastReads
Save what you read, see & hear
Free
📊 Productivity
(0)
16
EPUB Compressor – LiteBook
EPUB Compressor – LiteBook
EPUB Compressor – LiteBook
Offline Batch eBook Optimizer
Free
🔧 Utilities
(0)
17
Pageo: Calibre Epub Reader
Pageo: Calibre Epub Reader
Pageo: Calibre Epub Reader
Book, Comic & Ebook Converter
Free

Seamlessly sync your Calibre ebook library wirelessly to your iPhone. Convert various ebook formats to EPUB directly within the app and customize your reading experience with adjustable fonts, themes, and spacing. Listen to your books with text-to-speech functionality.

Wireless Calibre library syncBuilt-in ebook converter (PDF, MOBI, AZW, etc. to EPUB)Customizable reading experience (fonts, themes)
📚 Books
(2)
free with in-app purchases
18
Barnes & Noble NOOK
Barnes & Noble NOOK
Barnes & Noble NOOK
eBooks, audiobooks, and more
Free

Access a vast digital library of millions of eBooks, graphic novels, comics, manga, magazines, and audiobooks. Enjoy personalized recommendations, customize your reading and listening experience, and sync content across all your devices. Share your favorite reads with friends and discover free titles.

Vast digital libraryPersonalized recommendationsCustomizable reading/listening
📚 Books
(117K)
free with in-app purchases
19
Kobosquare
Kobosquare
Kobosquare
Kobosquare
Free
🔧 Utilities
(0)
20
EPUB Reader - justRead
EPUB Reader - justRead
EPUB Reader - justRead
PDF, Audiobooks & Read Aloud
Free

Customize your reading experience with extensive font and layout options. Effortlessly manage your library, track reading habits, and enjoy eye-care features. Sync your books across devices via cloud storage without proprietary lock-in.

200+ built-in fonts and custom font importAdjustable text and layout settingsSmart dark mode with intelligent image inversion
📚 Books
(21)
free with in-app purchases

FAQ about Kobogo

What are the best kobogo apps for iPhone?
PayMe - Personal loan app tops our kobogo apps ranking as of August 2026, with a 3.6-star average from 32 App Store ratings, and it's free to download.
Yes — 20 of the top kobogo apps we rank are free to download, including PayMe - Personal loan app and Carbon: Mobile Banking & Loans.
PayMe - Personal loan app has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 192+ kobogo apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app is a personal loan application designed for salaried individuals in India. It allows users to apply for instant loans ranging from Rs. 2,000 to Rs. 2 Lakh with flexible repayment terms of 3 to 24 months. The process is entirely paperless, and approved loan amounts are disbursed directly to the user's bank account.
Key features include a 100% paperless application process, loan limits up to Rs. 2 Lakh, easy and flexible repayment options, quicker approvals, and no charges for foreclosure or pre-part payments. It also offers collateral-free personal loans and the ability to convert short-term loans to EMI term loans.

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