# U钱包 vs LM Pay

The clearest difference is rating: LM Pay at 5.0 against U钱包's 1.0. LM Pay also leads on iOS requirement (10.0 vs 12.0). On price, ratings volume, 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.

LM Pay holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 1 and 2 respectively.

U钱包 ships an update every 5 weeks, LM Pay every 3 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | U钱包 | LM Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/u-app/id1406674094/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/lm-pay/id1529720152/reviews)** |
| Number of ratings | 1 | **2** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 39 MB | 172 MB |
| Requires iOS | 12.0 | **10.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [德云晟小额贷款股份有限公司](https://appshunter.io/developer/1464117186) | [LM PAY PLC](https://appshunter.io/developer/1529720154) |

## What reviewers say

### U钱包

[App page](https://appshunter.io/ios/app/u-app/id1406674094)

This app offers a convenient way to apply for personal loans through your mobile device. It provides flexible repayment options and uses machine-driven approval for efficiency and security. Borrow amounts range from 10,000 to 30,000 yuan with competitive interest rates.

**Highlights:** Loan amounts from 10,000-30,000 yuan, Low interest rates from 0.021%, Flexible monthly repayment options, Online application with facial recognition, Machine-driven approval process, Big data risk control for security

**Features:** macOS Compatibility

**In-app purchases:** none


### LM Pay

[App page](https://appshunter.io/ios/app/lm-pay/id1529720152)

This mobile payment assistant simplifies transactions for goods and services, offering discounts across various scenarios like ride-hailing, dining, and travel. It also facilitates secure money transfers between users with 24/7 encryption and transaction tracking.

**Highlights:** Discounted payments for goods and services, Online and offline payment options, Send and request money between users, Multiple credit refill channels, Secure transaction tracking, VIP concierge services

**In-app purchases:** none


## Frequently asked questions

### Is U钱包 free?

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

### Is LM Pay free?

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

### Which has better reviews, U钱包 or LM Pay?

LM Pay is rated higher. U钱包 averages 1.0 out of 5 from 1 ratings, while LM Pay averages 5.0 from 2 ratings.

### Do U钱包 or LM Pay have ads?

Neither U钱包 nor LM Pay shows ads.

### Which is updated more often, U钱包 or LM Pay?

U钱包 ships an update every 5 weeks, and LM Pay every 3 weeks. Most recently, U钱包 was updated on November 2, 2026 and LM Pay 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.*