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SoLo Funds: Lend, Borrow, Bank

SoLo Funds: Lend, Borrow, Bank

Making Gains on Your Own Terms

42K ratings
936 reviews
With Ads
🌟 Lifestyle
💰 Finance
Free
With Ads

Details

Released
March 16, 2018
Updated
October 21, 2026

Features

Developer

SoLo Funds Inc.
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About

Access funds up to $625 without credit checks or earn money by lending to others. This community finance platform offers a banking solution and AI-powered financial advice. It ensures no hidden fees and provides a safety net for its members.

✓Access up to $625 without credit checks
✓Earn money by funding others' requests
✓AI-powered financial co-pilot (SoLo IQ)
✓Integrated banking solution (SoLo Wallet)
✓No hidden fees
✓Community protection and safety net
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What users say about SoLo Funds

Reviews of SoLo Funds are mostly negative: the Finance app is rated 4.4/5 from 42K App Store ratings. What users like most: helpful for emergencies, community-driven lending platform. Top complaints: inconsistent customer support, unclear fees and policies. Summarized from real user reviews.

Positive things

  • 💰Helpful for emergencies
  • 🤝Community-driven lending platform
  • ⚡Quick loan funding
  • 🕰️Flexible repayment periods
  • 🆙Ability to build credit score

Negative things

  • 🤷‍♂️Inconsistent customer support
  • 🤯Unclear fees and policies
  • 🤕High risk of loan defaults
  • 🤬Lack of lender protection
  • 📉Declining lender satisfaction
See all reviews
+2

What's New in SoLo Funds

4.1

October 21, 2026

Making Gains. SoLo has a new look and a new way of describing what we do. NEW LOOK: Redesigned from the ground up. Cleaner screens, faster paths to borrowing, lending, and your SoLo Wallet, and a new home for SoLo IQ. NEW DIRECTION: SoLo is a financial intelligence ecosystem for every class. Capital when you need it. Yield when you have it. Intelligence every step of the way. Everything you rely on works the same, with less in the way.

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User reviews

Most RecentHighest RatedLowest Rated

Peer to peer lending

This app has worked out nicely . I messed up once before but I made things right and they were very professional about how they dealt with the situation. . Very cool app!
KCkilla cush

Okay I actually do like this app.

I like this app, just don’t touch my Direct Deposit again but overall a very good app and I would recommend
BBucsKay

App is good

The new design is awful I wish I could go back to old one.
SSadPanda777

New update makes it unusable

This app is already finicky. Since the new update, offers come in super slowly, when I used to get multiple offers within minutes. As well, the layout is a huge eyesore.
MMissBAT2

Great

Very easy to use and great for quick cash.
YYerrhero
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User experience

🐞

Reported Bugs

4 issues

App crashes and freezes

Bug

Payment processing issues

Bug

Account verification problems

Bug

Compatibility problems with certain cards

Bug
✨

Requested Features

5 requests

Improved lender vetting process

Feature

Automated loan recovery system

Feature

Transparent reporting on loan statuses

Feature

Ability to filter borrowers by credit history

Feature

Enhanced communication channels

Feature

FAQ

What does SoLo Funds do?

SoLo Funds is a community finance platform that allows members to borrow funds up to $625 without credit checks or to earn money by lending to other members. It also provides a banking solution and AI-powered financial advice to help users manage their money.

How can I access funds with SoLo Funds?

You can access funds by requesting a loan through the app. There are no credit checks required, and you can access up to $625. The app offers choice and control over your borrowing terms, with all loans having up to 90 days for repayment.

How do I earn money with SoLo Funds?

You can earn money by supplying funds to other members who have requested loans. This allows you to make a social impact while earning a return on your money. The platform provides data-driven tools to help you make smarter lending choices.

Are there any hidden fees with SoLo Funds?

No, SoLo Funds guarantees no hidden fees. This includes no minimum balance fees, transaction fees, expedition fees, or overdraft fees. The platform is transparent about its costs.

What is SoLo IQ?

SoLo IQ is an AI financial co-pilot designed to provide personalized and smart advice. It helps users maximize their lending, borrowing, and spending activities by offering intelligent financial guidance.