CFTPay vs Five Lakes
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CFTPay
Manage your special purpose account for debt settlement with ease. Check balances, monitor transactions, view statements, and contact support directly from your mobile device.
- View account balance
- Monitor transactions
- Check deposit dates
- Download account statements
- Review profile information
- Contact customer support
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The CFTPay mobile app is the simplest, easiest way to check your balance, transactions, and more from wherever you are. FEATURES - View your special purpose account balance - Monitor transactions related to your account - Check your next deposit date - View and download account statements - Review your profile information - Easily contact customer support WHO CAN USE THIS APP You can use this app only if your debt settlement company has partnered with CFTPay to provide your special purpose account. If you are not able to sign in, please check your program materials to confirm whether or not CFTPay is your special purpose account provider. ABOUT CFTPay Your CFTPay special purpose account is created when you enroll in a debt settlement program with one of our partner debt settlement companies. Downloading this app gives you quick and easy visibility into your account. Please note that CFTPay is not your debt settlement company — if you need information about your debt settlement program and don't know where to find it, please contact your debt settlement company directly. CFTPay and the CFTPay mobile app are services of Finxera Inc.
Five Lakes
Track your financial program's progress and view enrolled accounts. Connect with a dedicated client success team for support and receive personalized financial tips and inspiration.
- Program progress review
- Enrolled account management
- Client Success Team connection
- Personal finance tips
- Financial journey inspiration
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- Review your program's progress and enrolled accounts - Connect easily with Five Lakes's Client Success Team - Receive personal finance tips and inspiration for your financial journey
Screenshots
Verdict
The clearest difference is review sentiment: Five Lakes at 93% against CFTPay's 11%. Five Lakes also leads on rating (4.9 vs 2.4) and ratings volume (4.8K vs 31). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Five Lakes holds the better App Store score, 4.9 against 2.4. That said, the two scores are not equally well evidenced: Five Lakes has 4.8K ratings behind it against 31, so its average is the more settled of the two. Written reviews point the same way: 11% of CFTPay's written reviews are positive against 93% of Five Lakes's.
CFTPay ships an update every 5 weeks, Five Lakes weekly. The most recent releases landed on September 19, 2026 and September 25, 2026 respectively.
| Parameter | CFTPay | Five Lakes |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (31 ratings) | 4.9 (4.8K ratings) — better |
| Positive reviews | 11.1% of reviews | 92.7% of reviews — better |
| Number of ratings | 31 | 4.8K — better |
| Update frequency | Every 5 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 33 MB | 75 MB |
| Age rating | 4+ | 17+ |
| Developer | Finxera Inc. | Sergio Rabiela |
Customer experience
CFTPay
Five Lakes
Bugs and requests
CFTPay
Not enough reviews yet to summarise bugs or requests.
Five Lakes
Reported bugs
1 issue- The app not working since last update
Requested features
2 requests- Dark mode option
- Advanced analytics dashboard
In-app purchases
CFTPay
No in-app purchases
Five Lakes
No in-app purchases
