# CFTPay vs Five Lakes

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.

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.

## The numbers

| Metric | CFTPay | Five Lakes |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.4 (31 ratings)](https://appshunter.io/ios/app/cftpay/id1452761792/reviews) | **[4.9 (4.8K ratings)](https://appshunter.io/ios/app/five-lakes/id1635378642/reviews)** |
| Number of ratings | 31 | **4.8K** |
| Positive reviews | 11.1% of reviews | **92.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Weekly** |
| Monetization | Free | Free |
| Size | 33 MB | 75 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Finxera Inc.](https://appshunter.io/developer/1452761791) | [Sergio Rabiela](https://appshunter.io/developer/1634262833) |

## What reviewers say

### CFTPay

[App page](https://appshunter.io/ios/app/cftpay/id1452761792)

Manage your special purpose account for debt settlement with ease. Check balances, monitor transactions, view statements, and contact support directly from your mobile device.

**Highlights:** View account balance, Monitor transactions, Check deposit dates, Download account statements, Review profile information, Contact customer support

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

**In-app purchases:** none


### Five Lakes

[App page](https://appshunter.io/ios/app/five-lakes/id1635378642)

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.

**Highlights:** Program progress review, Enrolled account management, Client Success Team connection, Personal finance tips, Financial journey inspiration

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Debt Relief Fast
- 👍 Fixing my debt
- 👍 Debt Reduction Help
- 👍 Easy way to get out of debt
- 👍 Thankful

**What reviewers complain about**

- 🐛 Scam
- ⚠️ Not informed on everything
- ⚠️ Be Cautious
- ⚠️ No communication
- ⚠️ Not a happy client

**Reported bugs**

- The app not working since last update

**Requested features**

- Dark mode option
- Advanced analytics dashboard


## Frequently asked questions

### Is CFTPay free?

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

### Is Five Lakes free?

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

### Which has better reviews, CFTPay or Five Lakes?

Five Lakes is rated higher. CFTPay averages 2.4 out of 5 from 31 ratings, while Five Lakes averages 4.9 from 4.8K ratings.

### Do CFTPay or Five Lakes have ads?

Neither CFTPay nor Five Lakes shows ads.

### Which is updated more often, CFTPay or Five Lakes?

CFTPay ships an update every 5 weeks, and Five Lakes weekly. Most recently, CFTPay was updated on September 19, 2026 and Five Lakes on September 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.*