# FinLocker vs S1 Lending

The clearest difference is rating: S1 Lending at 5.0 against FinLocker's 3.9. S1 Lending also leads on monetization model (free vs ad-supported). FinLocker's advantage is ratings volume (19 vs 1) and device support (3 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

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

S1 Lending holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: FinLocker has 19 ratings behind it against 1, so its average is the more settled of the two.

FinLocker ships an update monthly, S1 Lending every 3 weeks. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | FinLocker | S1 Lending |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (19 ratings)](https://appshunter.io/ios/app/finlocker/id1435921445/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/s1-lending/id6808287644/reviews)** |
| Number of ratings | **19** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 114 MB | 102 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 12+ | 4+ |
| Developer | [Finlocker LLC](https://appshunter.io/developer/1357188723) | [American Pacific Mortgage Corporation](https://appshunter.io/developer/1175503050) |

## What reviewers say

### FinLocker

[App page](https://appshunter.io/ios/app/finlocker/id1435921445)

This app helps you manage your finances, get mortgage-ready, and search for homes. It organizes account balances, transactions, credit scores, and spending analysis in one place. You can also track your budget and access personal finance articles and videos.

**Highlights:** Financial dashboard, Budget tracking and alerts, Free credit score and report, Mortgage readiness assessment, Real estate property search, Secure data sharing

**Features:** Vision Pro support

**In-app purchases:** none


### S1 Lending

[App page](https://appshunter.io/ios/app/s1-lending/id6808287644)

Simplify your home buying journey with real-time loan updates and document management. Apply for a loan, compare scenarios, and stay informed every step of the way. Securely upload documents and connect with your loan officer and agent.

**Highlights:** Apply for a loan from anywhere, Track home loan with real-time notifications, Compare loan scenarios, Secure document upload, Instant access to Loan Officer and Real Estate Agent

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

**In-app purchases:** none


## Frequently asked questions

### Is FinLocker free?

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

### Is S1 Lending free?

S1 Lending is free to download, with no in-app purchases.

### Which has better reviews, FinLocker or S1 Lending?

S1 Lending is rated higher. FinLocker averages 3.9 out of 5 from 19 ratings, while S1 Lending averages 5.0 from 1 ratings.

### Do FinLocker or S1 Lending have ads?

Neither FinLocker nor S1 Lending shows ads.

### Which is updated more often, FinLocker or S1 Lending?

FinLocker ships an update monthly, and S1 Lending every 3 weeks. Most recently, FinLocker was updated on October 24, 2026 and S1 Lending on October 29, 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.*