LendingPoint vs Payly
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
LendingPoint
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.
- Check personal loan rates
- Manage existing loans
- Make loan payments
- Update personal information
- Track financial goals
- Hassle-free account management
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Welcome to the LendingPoint app, a comprehensive mobile application created to empower individuals in effectively managing their finances. By utilizing the app's capabilities, users can pave the way toward financial well-being and confidently achieve their long-term financial goals. Whether you're interested in checking rates for a personal loan or already have a loan with LendingPoint, the app covers you. Experience a hassle-free way to manage your account, make payments, and update your personal information all in one place. The LendingPoint app is designed to be your comprehensive solution for all your financial needs. Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and annual percentage rates ("APR") may vary based upon LendingPoint's proprietary scoring and underwriting system's review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $50,000, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 by LendingPoint over a period of 48 months that has an APR of 24.99% with an origination fee of 10% may have a payment of $331.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) Customers may have the option to deduct the origination fee from the disbursed loan amount if desired. If the origination fee is added to the financed amount, interest is charged on the full principal amount. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
Payly
Effortlessly manage all your recurring payments in one place. Set up your subscriptions once and enjoy peace of mind knowing you won't miss a due date. This free application offers a straightforward way to keep track of your financial commitments.
- Subscription management
- Recurring payment tracking
- Free to use
- No ads
- No in-app purchases
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Made as a simple to use app that you can set it up once and live in peace. FREE and contains no ads or in app purchases.
Screenshots
Verdict
The clearest difference is ratings volume: LendingPoint at 3.2K against Payly's 1. LendingPoint also leads on device support. Payly's advantage is rating (5.0 vs 4.8) and iOS requirement (13.2 vs 15.1). On price, 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.
Payly holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: LendingPoint has 3.2K ratings behind it against 1, so its average is the more settled of the two.
| Parameter | LendingPoint | Payly |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (3.2K ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 62.0% of reviews | — |
| Number of ratings | 3.2K — better | 1 |
| Update frequency | Fortnightly | — |
| Ads | No | — |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | — |
| Requires iOS | 15.1 | 13.2 — better |
| Further details — not scored | ||
| Size | 36 MB | 1 MB |
| Age rating | 4+ | 4+ |
| Developer | LendingPoint LLC | Avinash Panneerselvam |
Bugs and requests
LendingPoint
Reported bugs
3 issues- App freezes on contact information page
- Unable to log in or access account
- Inconsistent app and website functionality
Requested features
3 requests- Allow extra payments without issues
- Improve app stability and user experience
- Provide more transparency on loan details
Payly
Not enough reviews yet to summarise bugs or requests.
In-app purchases
LendingPoint
No in-app purchases
Payly
No in-app purchases
