# iCreditWorks vs LendingPoint

iCreditWorks and LendingPoint both sit at 4.8 stars, but that hides the real split: 76% of iCreditWorks's written reviews are positive against 62% of LendingPoint's. LendingPoint's advantage is iOS requirement (15.1 vs 17.0). On price, rating, ratings volume and update cadence 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 — 4.8 for iCreditWorks against 4.8 for LendingPoint. Both are backed by a comparable volume of ratings — 1.3K and 3.2K respectively. Written reviews are what separate them: 76% of iCreditWorks's written reviews are positive against 62% of LendingPoint's.

iCreditWorks ships an update every 2 weeks, LendingPoint fortnightly. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | iCreditWorks | LendingPoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.3K ratings)](https://appshunter.io/ios/app/icreditworks/id1455870277/reviews) | **[4.8 (3.2K ratings)](https://appshunter.io/ios/app/lendingpoint/id1488985079/reviews)** |
| Number of ratings | 1.3K | **3.2K** |
| Positive reviews | **75.9% of reviews** | 62.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | Free | Free |
| Size | 536 MB | 36 MB |
| Requires iOS | 17.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [iCreditWorks](https://appshunter.io/developer/1455870276) | [LendingPoint LLC](https://appshunter.io/developer/1488985078) |

## What reviewers say

### iCreditWorks

[App page](https://appshunter.io/ios/app/icreditworks/id1455870277)

Apply for financing with affordable interest rates and low monthly payments directly from your iPhone. Get a credit decision in seconds and manage your loan details 24/7. Access educational resources for financial health.

**Highlights:** Apply for financing, Affordable interest rates, Low monthly payments, Credit decision in seconds, Manage loan account 24/7, Biometric identity validation, Financial health resources

**In-app purchases:** none

**What reviewers like**

- 🚀 Super easy to use
- 👍 Convenient app experience
- 🚀 Fast and efficient
- 👍 Great customer service
- 🚀 Quick approval process

**What reviewers complain about**

- ⏱️ Lengthy financing process
- 🐛 Inconsistent app performance
- 🔍 Lack of transparency on fees

**Reported bugs**

- Issues with autopay and payment processing
- Verification problems causing application rejections

**Requested features**

- Improve communication on returned payments
- Enhance app stability and reliability


### 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 iCreditWorks free?

iCreditWorks 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, iCreditWorks or LendingPoint?

LendingPoint is rated higher. iCreditWorks averages 4.8 out of 5 from 1.3K ratings, while LendingPoint averages 4.8 from 3.2K ratings.

### Do iCreditWorks or LendingPoint have ads?

Neither iCreditWorks nor LendingPoint shows ads.

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

iCreditWorks ships an update every 2 weeks, and LendingPoint fortnightly. Most recently, iCreditWorks was updated on November 6, 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.*