# Service Finance Borrower App vs Shellpoint

The clearest difference is review sentiment: Shellpoint at 54% against Service Finance Borrower App's 0%. Shellpoint also leads on rating (4.9 vs 1.4) and ratings volume (17K vs 72). 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.

Shellpoint holds the better App Store score, 4.9 against 1.4. That said, the two scores are not equally well evidenced: Shellpoint has 17K ratings behind it against 72, so its average is the more settled of the two. Written reviews point the same way: 0% of Service Finance Borrower App's written reviews are positive against 54% of Shellpoint's.

Service Finance Borrower App ships an update every 4 months, Shellpoint every 5 weeks. The most recent releases landed on October 17, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | Service Finance Borrower App | Shellpoint |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (72 ratings)](https://appshunter.io/ios/app/service-finance-borrower-app/id1572527871/reviews) | **[4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews)** |
| Number of ratings | 72 | **17K** |
| Positive reviews | 0.0% of reviews | **54.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 44 MB | 73 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SERVICE FINANCE COMPANY, LLC](https://appshunter.io/developer/1288602319) | [Newrez LLC](https://appshunter.io/developer/1435999021) |

## What reviewers say

### Service Finance Borrower App

[App page](https://appshunter.io/ios/app/service-finance-borrower-app/id1572527871)

Manage your Service Finance account conveniently from your mobile device. View balances, access billing statements, and make secure one-time or recurring payments. The app is designed for ease of use and account management on the go.

**Highlights:** View account balances, Access billing statements, Make one-time payments, Schedule recurring payments, Secure account management

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

**In-app purchases:** none


### Shellpoint

[App page](https://appshunter.io/ios/app/shellpoint/id6443957708)

Manage your mortgage conveniently online. View account details, make payments, and access important documents directly from your mobile device. Stay on top of your loan with easy-to-use tools.

**Highlights:** View loan account details, Make one-time payments, Schedule recurring payments, Access statements and documents, View recent account activity

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Straightforward payment process
- 👍 Convenient payment history
- 👍 Smooth system
- 👍 Easy payment service

**What reviewers complain about**

- 🐛 App crashes or doesn't load
- 🐛 Outdated and clunky interface
- 🐛 Slow performance
- 🐛 Lack of modern features
- 🐛 Unreliable customer service

**Reported bugs**

- Unable to access loan information
- Keyboard not working in app
- Login issues, unable to log in

**Requested features**

- Ability to set up and save multiple accounts
- Push notifications for due dates
- Clearer payment history breakdown
- Partial payment option


## Frequently asked questions

### Is Service Finance Borrower App free?

Service Finance Borrower App is free to download, with no in-app purchases.

### Is Shellpoint free?

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

### Which has better reviews, Service Finance Borrower App or Shellpoint?

Shellpoint is rated higher. Service Finance Borrower App averages 1.4 out of 5 from 72 ratings, while Shellpoint averages 4.9 from 17K ratings.

### Do Service Finance Borrower App or Shellpoint have ads?

Neither Service Finance Borrower App nor Shellpoint shows ads.

### Which is updated more often, Service Finance Borrower App or Shellpoint?

Service Finance Borrower App ships an update every 4 months, and Shellpoint every 5 weeks. Most recently, Service Finance Borrower App was updated on October 17, 2026 and Shellpoint on October 22, 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.*