# iCreditWorks vs Uprova

The clearest difference is review sentiment: iCreditWorks at 76% against Uprova's 0%. iCreditWorks also leads on rating (4.8 vs 1.7) and update cadence (every 2 weeks vs every 3 months). Uprova's advantage is iOS requirement (15.6 vs 17.0). 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.

iCreditWorks holds the better App Store score, 4.8 against 1.7. That said, the two scores are not equally well evidenced: iCreditWorks has 1.3K ratings behind it against 27, so its average is the more settled of the two. Written reviews point the same way: 76% of iCreditWorks's written reviews are positive against 0% of Uprova's.

iCreditWorks ships an update every 2 weeks, Uprova every 3 months. The most recent releases landed on November 6, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | iCreditWorks | Uprova |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.3K ratings)](https://appshunter.io/ios/app/icreditworks/id1455870277/reviews)** | [1.7 (27 ratings)](https://appshunter.io/ios/app/uprova/id6748051554/reviews) |
| Number of ratings | **1.3K** | 27 |
| Positive reviews | **75.9% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 536 MB | 39 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 17+ | 17+ |
| Developer | [iCreditWorks](https://appshunter.io/developer/1455870276) | [Uprova Credit, LLC](https://appshunter.io/developer/1824105301) |

## 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


### Uprova

[App page](https://appshunter.io/ios/app/uprova/id6748051554)

Access fast, personal loans for emergencies and cash-flow needs. Receive quick approvals and funds within 30 minutes, with no collateral required. Build credit with timely payments and enjoy flexible repayment options.

**Highlights:** Fast loan approvals, Funds within 30 minutes, No collateral required, Flexible repayment options, Build credit history, No prepayment penalties, Easy application process

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

**In-app purchases:** none


## Frequently asked questions

### Is iCreditWorks free?

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

### Is Uprova free?

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

### Which has better reviews, iCreditWorks or Uprova?

iCreditWorks is rated higher. iCreditWorks averages 4.8 out of 5 from 1.3K ratings, while Uprova averages 1.7 from 27 ratings.

### Do iCreditWorks or Uprova have ads?

Neither iCreditWorks nor Uprova shows ads.

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

iCreditWorks ships an update every 2 weeks, and Uprova every 3 months. Most recently, iCreditWorks was updated on November 6, 2026 and Uprova on October 30, 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.*