# MySynchrony vs PENNYMAC MOBILE

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 (#23 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.

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

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 — 116K and 171K respectively. Written reviews are what separate them: 82% of MySynchrony's written reviews are positive against 50% of PENNYMAC MOBILE's.

MySynchrony ships an update every 3 weeks, PENNYMAC MOBILE fortnightly. Both last shipped on October 25, 2026.

## The numbers

| Metric | MySynchrony | PENNYMAC MOBILE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (116K ratings)](https://appshunter.io/ios/app/mysynchrony/id1280992496/reviews) | **[4.8 (171K ratings)](https://appshunter.io/ios/app/pennymac-mobile/id1349950272/reviews)** |
| Number of ratings | 116K | **171K** |
| Positive reviews | **82.2% of reviews** | 49.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Best chart rank | **#23** | — |
| Size | 197 MB | 66 MB |
| Requires iOS | 18 | **16.6** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Synchrony Financial](https://appshunter.io/developer/989262152) | [PennyMac Loan Services, LLC](https://appshunter.io/developer/789969762) |

## What reviewers say

### MySynchrony

[App page](https://appshunter.io/ios/app/mysynchrony/id1280992496)

**Currently charting:** #23 Top Free · Finance (US App Store)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/pennymac-mobile/id1349950272)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- Biometric login options
- Improved payment tracking and history
- Ability to set up automatic payments
- Better integration between app and website
- More detailed payment breakdowns


## Frequently asked 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?

PENNYMAC MOBILE is rated higher. MySynchrony averages 4.8 out of 5 from 116K ratings, while PENNYMAC MOBILE averages 4.8 from 171K ratings.

### 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 25, 2026 and PENNYMAC MOBILE on October 25, 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.*