Comparison

MySynchrony vs PENNYMAC MOBILE

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MySynchrony

Securely manage your credit card accounts in one place. This app allows you to view balances, make payments, review transactions, and manage bank accounts. It also offers access to partner deals and financial education resources.

Highlights
  • Manage credit cards in one place
  • Secure biometric login
  • Schedule and manage payments
  • Check balance and credit limit
  • Review transaction history
  • Access partner deals and offers
  • Financial education blog
Features
Currently charting
Read full description

Download the MySynchrony App today to securely manage your credit card accounts* all in one place. With this mobile app you will be able to: • Manage your Synchrony issued credit cards in one place • Log in securely using Biometric Authentication • Schedule and manage payments for your accounts • Check your balance and credit limit anytime, anywhere • Review your transaction and payment history • View your statements and manage your statement delivery preference • Securely add or delete multiple bank accounts that you'd like to use to pay your bill • Explore the Synchrony Marketplace for savings, deals, and offers from our partners nationwide, online, or right in your neighborhood • Access the Finance 101 blog to stay in the know on tips to better manage your finances • Discover answers anytime with our 24/7 Knowledge Center for cardholder resources. • Provide us feedback on your mobile app experience. Let us know how we can help and what’s working. We are here for you.   (For Synchrony Bank Savings accounts, please visit our Synchrony Bank App.) *Credit cards issued by Synchrony, not including Venmo, PayPal Extras, PayPal Credit, TJMaxx/TJX, eBay Extras

About

PENNYMAC MOBILE

Manage your home loan conveniently with 24/7 access to your account. Track payments, make one-time or recurring payments, download statements, and manage escrow details. Secure login and payment reminders are also available.

Highlights
  • Check loan balance
  • Track loan payments
  • Set up automatic payments
  • Download statements
  • Manage escrow
  • Payment reminders
  • Fingerprint authentication
Features
Read full description

**What’s new: Updated design and improved functionality based on customer feedback** Make it simple to manage your home loan, with everything you need at your fingertips. Enjoy complete convenience with 24/7 access to your account(s) and the ability to: - Check your current loan balance - Keep track of loan payments and activity at a glance - Set up automatic, recurring monthly payments or make a one-time payment - Download and view statements and documents, making it easy to go paperless - Get payment reminders - Manage escrow, tax and insurance - Get available refunds with eDisbursements - Log in securely with fingerprint authentication - Make principal reduction and escrow shortage payments - Calculate ways to adjust and save on your payments - View/pay multiple mortgages *App available in Spanish./App disponible en Español. Pennymac Publication Rules PennyMac Loan Services, LLC does not pay or otherwise provide compensation for reviews/comments. All reviews/comments are subject to the disclaimer provided prior to posting and become the property of Pennymac once submitted. We reserve the right to validate, remove or republish your reviews/comments at any time. Equal Housing Opportunity © 2023 PennyMac Loan Services, LLC, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361, 818-224-7442. NMLS ID # 35953. For licensing information, go to: www.nmlsconsumeraccess.org. Trade/service marks are the property of PennyMac Loan Services, LLC and/or its subsidiaries or affiliates. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. North Carolina Permit No. 119504607, 119505929, 119506567, 119506570, 119507419. Rhode Island Licensed Lender # 20092600LL, Loan Broker, and Third Party Loan Servicer. Texas office: 2201 W. Plano Parkway, Suites 150 and 300, Plano, TX 75075. For more information, review Pennymac’s state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. (02-2023)

Screenshots

MySynchrony4 screens
PENNYMAC MOBILE4 screens

Verdict

The call

MySynchrony and PENNYMAC MOBILE both sit at 4.8 stars, but that hides the real split: 82% of MySynchrony's written reviews are positive against 50% of PENNYMAC MOBILE's. MySynchrony also leads on chart position (#31 vs unranked). PENNYMAC MOBILE's advantage is iOS requirement (16.6 vs 18). On price, rating, ratings volume and update cadence 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for MySynchrony against 4.8 for PENNYMAC MOBILE. Both are backed by a comparable volume of ratings — 112K and 170K respectively. Written reviews are what separate them: 82% of MySynchrony's written reviews are positive against 50% of PENNYMAC MOBILE's.

UpkeepUpdate frequency

MySynchrony ships an update every 3 weeks, PENNYMAC MOBILE fortnightly. Both last shipped on October 19, 2026.

Scorecard3 real differences · 8 level
MySynchrony versus PENNYMAC MOBILE: the parameters behind the verdict, then further details
ParameterMySynchronyPENNYMAC MOBILE
PriceFreeFree
Rating4.8 (112K ratings)4.8 (170K ratings)
Positive reviews82.1% of reviews — better49.9% of reviews
Number of ratings112K170K — better
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#31 — better—
DevicesiPhone, iPad — betteriPhone
Requires iOS1816.6 — better
Further details — not scored
Size205 MB66 MB
Age rating4+17+
DeveloperSynchrony FinancialPennyMac Loan Services, LLC

Customer experience

MySynchrony

All ratings111,542 ratings
Positive96.7%
Neutral0.9%
Negative2.3%
Written reviews2,737 reviews
Positive82.1%
Neutral1.8%
Negative16.2%

PENNYMAC MOBILE

All ratings169,923 ratings
Positive96.6%
Neutral1.4%
Negative2.0%
Written reviews710 reviews
Positive49.9%
Neutral7.9%
Negative42.3%

User reviews

MySynchrony

From 112K App Store ratings

What we love

  • 👍 Easy to use
  • 👍 User-friendly
  • 👍 Convenient
  • 👍 Streamlined payment process
  • 👍 Helpful for managing multiple accounts

Room to improve

  • 🐛 App crashes or freezes
  • 🐛 Login issues
  • 🐛 Inconsistent account information
  • 🐛 Difficulty adding or managing accounts
  • 🐛 Unreliable payment processing

PENNYMAC MOBILE

From 170K App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 User-friendly interface
  • 💰 Convenient payment options
  • 📱 Helpful mobile app
  • 🔒 Secure login options

Room to improve

  • 🐛 Frequent app crashes
  • 🔍 Difficult to navigate
  • 🔑 Login issues
  • 🕰️ Slow loading times
  • 🤖 Unhelpful automated systems

Bugs and requests

MySynchrony

Reported bugs

4 issues
  • Delayed payment updates
  • Incorrect account balance information
  • Compatibility issues with older devices
  • Inability to remove closed accounts from the app

Requested features

5 requests
  • Ability to view all accounts in one place
  • Option to set up automatic payments
  • More detailed transaction history
  • Improved notification system
  • Ability to update personal information within the app

PENNYMAC MOBILE

Reported bugs

4 issues
  • App crashing when switching between loans
  • Biometric login not working
  • Pending payments not showing up correctly
  • Issues with document viewing and downloading

Requested features

6 requests
  • Biometric login options
  • Improved payment tracking and history
  • Ability to set up automatic payments
  • Better integration between app and website
  • More detailed payment breakdowns
Show 1 more
  • Spanish language support

In-app purchases

None

MySynchrony

No in-app purchases

None

PENNYMAC MOBILE

No in-app purchases

Questions

Is MySynchrony free?
MySynchrony is free to download, with no in-app purchases.
Is PENNYMAC MOBILE free?
PENNYMAC MOBILE is free to download, with no in-app purchases.
Which has better reviews, MySynchrony or PENNYMAC MOBILE?
MySynchrony and PENNYMAC MOBILE are both rated 4.8 out of 5 on the App Store, from 112K and 170K ratings respectively.
Do MySynchrony or PENNYMAC MOBILE have ads?
Neither MySynchrony nor PENNYMAC MOBILE shows ads.
Which is updated more often, MySynchrony or PENNYMAC MOBILE?
MySynchrony ships an update every 3 weeks, and PENNYMAC MOBILE fortnightly. Most recently, MySynchrony was updated on October 19, 2026 and PENNYMAC MOBILE on October 19, 2026.

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