# Upgrade vs LendingPoint

The clearest difference is monetization model: LendingPoint at free against Upgrade's free with in-app purchases. LendingPoint also leads on review sentiment (62% vs 53%). Upgrade's advantage is ratings volume (84K vs 3.2K) and chart position (#148 vs unranked). On price, rating, update cadence and ads 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 — 4.9 for Upgrade against 4.8 for LendingPoint. That said, the two scores are not equally well evidenced: Upgrade has 84K ratings behind it against 3.2K, so its average is the more settled of the two. Written reviews are what separate them: 53% of Upgrade's written reviews are positive against 62% of LendingPoint's.

Upgrade ships an update every 11 days, LendingPoint fortnightly. The most recent releases landed on November 4, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Upgrade | LendingPoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (84K ratings)](https://appshunter.io/ios/app/upgrade-mobile-banking/id1389859093/reviews)** | [4.8 (3.2K ratings)](https://appshunter.io/ios/app/lendingpoint/id1488985079/reviews) |
| Number of ratings | **84K** | 3.2K |
| Positive reviews | 52.6% of reviews | **62.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 11 days** | Fortnightly |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#148** | — |
| Size | 93 MB | 36 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Upgrade, Inc.](https://appshunter.io/developer/1389859092) | [LendingPoint LLC](https://appshunter.io/developer/1488985078) |

## What reviewers say

### Upgrade

[App page](https://appshunter.io/ios/app/upgrade-mobile-banking/id1389859093)

**Currently charting:** #148 Top Free · Finance (US App Store)

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

**Highlights:** Cash back rewards on card purchases, Manage personal loans and credit lines, Track credit score and receive alerts, High-yield savings accounts, Cash advance requests, Bill payment and balance checking

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Excellent, easy-to-use app
- 🔒 Robust fraud prevention
- 💰 Competitive interest rates and rewards
- 👍 Seamless account management
- 🏆 Helpful in improving credit and consolidating debt

**What reviewers complain about**

- 🐛 Inconsistent account updates and transaction history
- 🤔 Unclear policies around credit limit changes
- ❌ Poor customer service and unresponsive to issues
- 💳 Card usage issues and unexpected account suspensions
- 🕰️ Slow processing of payments and deposits

**Reported bugs**

- Login issues and inability to reset passwords
- Discrepancies between app and website information

**Requested features**

- Ability to lock/unlock debit and credit cards
- Instant access to deposited funds
- Improved app stability and user experience


### LendingPoint

[App page](https://appshunter.io/ios/app/lendingpoint/id1488985079)

Manage your personal loans and financial goals with this comprehensive finance app. Check loan rates, make payments, and update your information seamlessly. It's designed to help you achieve financial well-being.

**Highlights:** Check personal loan rates, Manage existing loans, Make loan payments, Update personal information, Track financial goals, Hassle-free account management

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast service
- 👍 Easy process
- 🤝 Helpful customer service
- 💰 Reasonable rates
- 🙏 Compassionate in difficult times

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🔒 Login and account access issues
- 📆 Inflexible payment scheduling
- 🤖 Unreliable app and website

**Reported bugs**

- App freezes on contact information page
- Unable to log in or access account
- Inconsistent app and website functionality

**Requested features**

- Allow extra payments without issues
- Improve app stability and user experience
- Provide more transparency on loan details


## Frequently asked questions

### Is Upgrade free?

Upgrade is free to download, with no in-app purchases.

### Is LendingPoint free?

LendingPoint is free to download, with no in-app purchases.

### Which has better reviews, Upgrade or LendingPoint?

Upgrade is rated higher. Upgrade averages 4.9 out of 5 from 84K ratings, while LendingPoint averages 4.8 from 3.2K ratings.

### Do Upgrade or LendingPoint have ads?

Neither Upgrade nor LendingPoint shows ads.

### Which is updated more often, Upgrade or LendingPoint?

Upgrade ships an update every 11 days, and LendingPoint fortnightly. Most recently, Upgrade was updated on November 4, 2026 and LendingPoint on November 3, 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.*