# Upwardli vs Becca's

The clearest difference is review sentiment: Becca's at 100% against Upwardli's 13%. Becca's also leads on rating (4.7 vs 2.5) and ads (none vs shown). Upwardli's advantage is iOS requirement (13.0 vs 15.5). On price, ratings volume, 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.

Becca's holds the better App Store score, 4.7 against 2.5. Both are backed by a comparable volume of ratings — 17 and 36 respectively. Written reviews point the same way: 13% of Upwardli's written reviews are positive against 100% of Becca's's.

Upwardli ships an update every 6 months, Becca's monthly. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Upwardli | Becca's |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (17 ratings)](https://appshunter.io/ios/app/upwardli/id1586372881/reviews) | **[4.7 (36 ratings)](https://appshunter.io/ios/app/beccas-smart-credit-builder/id6754761623/reviews)** |
| Number of ratings | 17 | **36** |
| Positive reviews | 12.5% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 months | **Monthly** |
| Monetization | Ad-supported | Ad-supported |
| Size | 18 MB | 18 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Upward Financial Inc.](https://appshunter.io/developer/1586372883) | [Beccas Home LLC](https://appshunter.io/developer/1845736076) |

## What reviewers say

### Upwardli

[App page](https://appshunter.io/ios/app/upwardli/id1586372881)

This app helps newcomers to U.S. financial services build their credit score and get approved for financial products. It offers personalized plans and instant pre-approvals, making financial progress accessible.

**Highlights:** Personalized credit action plans, Instant pre-approvals for financial services, Guidance on best credit card and bank options, Explanation of key financial terms, Tailored for immigrants and visa holders

**Features:** macOS Compatibility

**In-app purchases:** none


### Becca's

[App page](https://appshunter.io/ios/app/beccas-smart-credit-builder/id6754761623)

Build your credit history effortlessly with this app. Sign up in minutes, make affordable monthly payments, and have them automatically reported to major credit bureaus. An AI guide helps you understand your credit.

**Highlights:** Credit score tracking, Automatic bureau reporting, AI credit guide, Payment reminders, No credit history required, 45-day money-back guarantee

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

**In-app purchases:** none


## Frequently asked questions

### Is Upwardli free?

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

### Is Becca's free?

Becca's is free to download, with no in-app purchases.

### Which has better reviews, Upwardli or Becca's?

Becca's is rated higher. Upwardli averages 2.5 out of 5 from 17 ratings, while Becca's averages 4.7 from 36 ratings.

### Do Upwardli or Becca's have ads?

Upwardli shows ads; Becca's does not.

### Which is updated more often, Upwardli or Becca's?

Upwardli ships an update every 6 months, and Becca's monthly. Most recently, Upwardli was updated on October 24, 2026 and Becca's 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.*