# ImmediatePay vs LendingPoint

ImmediatePay and LendingPoint are too close to call on the numbers: across 10 compared parameters — price, rating, review sentiment and ratings volume among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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 — 4.9 for ImmediatePay against 4.8 for LendingPoint. Both are backed by a comparable volume of ratings — 7.8K and 3.2K respectively. Written reviews are what separate them: 56% of ImmediatePay's written reviews are positive against 62% of LendingPoint's.

ImmediatePay ships an update every 3 weeks, LendingPoint fortnightly. Both last shipped on October 3, 2026.

## The numbers

| Metric | ImmediatePay | LendingPoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (7.8K ratings)](https://appshunter.io/ios/app/immediatepay/id1469028887/reviews)** | [4.8 (3.2K ratings)](https://appshunter.io/ios/app/lendingpoint/id1488985079/reviews) |
| Number of ratings | **7.8K** | 3.2K |
| Positive reviews | 56.3% of reviews | **62.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 74 MB | 36 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Immediate Solutions](https://appshunter.io/developer/1469028886) | [LendingPoint LLC](https://appshunter.io/developer/1488985078) |

## What reviewers say

### ImmediatePay

[App page](https://appshunter.io/ios/app/immediatepay/id1469028887)

Access a portion of your earned wages before your next payday. This app connects with employers to let you transfer funds instantly after your workday. It also provides financial wellness tools, including coaching, educational resources, and prescription savings.

**Highlights:** Access earned wages between paydays, Instant fund transfers, Financial wellness tools, Expert financial coaching, Financial health assessments, Educational articles and calculators, Prescription savings

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Efficient and fast
- 💡 Convenient and helpful
- 👍 User-friendly interface
- 🚀 Immediate access to funds

**What reviewers complain about**

- 🐛 Processing issues
- 🐛 Delayed payouts
- 🐛 Unreliable customer service
- 🐛 Difficult to use

**Reported bugs**

- Login issues
- Inconsistent fund availability
- Debit card registration problems

**Requested features**

- Faster payouts
- Improved customer support
- Clearer communication on processing times


### 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 ImmediatePay free?

ImmediatePay 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, ImmediatePay or LendingPoint?

ImmediatePay is rated higher. ImmediatePay averages 4.9 out of 5 from 7.8K ratings, while LendingPoint averages 4.8 from 3.2K ratings.

### Do ImmediatePay or LendingPoint have ads?

Neither ImmediatePay nor LendingPoint shows ads.

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

ImmediatePay ships an update every 3 weeks, and LendingPoint fortnightly. Most recently, ImmediatePay was updated on October 3, 2026 and LendingPoint on October 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.*