# eLendly vs Monica

The clearest difference is review sentiment: Monica at 58% against eLendly's 7%. Monica also leads on rating (4.6 vs 2.2) and update cadence (weekly vs every 2 months). eLendly's advantage is iOS requirement (12.0 vs 15.5). 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.

Monica holds the better App Store score, 4.6 against 2.2. That said, the two scores are not equally well evidenced: Monica has 14K ratings behind it against 49, so its average is the more settled of the two. Written reviews point the same way: 7% of eLendly's written reviews are positive against 58% of Monica's.

eLendly ships an update every 2 months, Monica weekly. The most recent releases landed on October 16, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | eLendly | Monica |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.2 (49 ratings)](https://appshunter.io/ios/app/elendly/id1626632575/reviews) | **[4.6 (14K ratings)](https://appshunter.io/ios/app/monica-pay-send-bills/id6446216360/reviews)** |
| Number of ratings | 49 | **14K** |
| Positive reviews | 6.7% of reviews | **58.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Free | Free |
| Size | 70 MB | 91 MB |
| Requires iOS | **12.0** | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Elendly Limited](https://appshunter.io/developer/1626632577) | [MONICA TECHNOLOGIES LIMITED](https://appshunter.io/developer/1676734030) |

## What reviewers say

### eLendly

[App page](https://appshunter.io/ios/app/elendly/id1626632575)

Manage your financial life by automating subscriptions, lending and borrowing with friends, and tracking your overall finances. This app provides a centralized platform for personal financial management.

**Highlights:** Automate subscriptions, Lend and borrow with friends, Track finances, Investment tracking

**Features:** macOS Compatibility

**In-app purchases:** none


### Monica

[App page](https://appshunter.io/ios/app/monica-pay-send-bills/id6446216360)

Manage your finances, pay bills, and shop with discounts all in one place. This app offers instant money transfers, secure transactions, and a virtual dollar card for global shopping. Enjoy free bank withdrawals and easy bill payments.

**Highlights:** Tag & Scan to Pay, Shop with Discounts, Pay Bills with Ease, Virtual Dollar Card, Free Bank Withdrawals, Send Money Instantly

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and reliable
- 💯 Trusted and secure
- 👍 User-friendly interface
- 💰 Good exchange rates

**What reviewers complain about**

- 🐛 Withdrawal issues
- 🤖 Poor customer service
- 💰 High transaction fees
- 🔒 Account access problems

**Reported bugs**

- Delayed fund transfers
- Wallet address changes without notice
- App crashes and freezes
- Incorrect transaction amounts

**Requested features**

- Expand bank transfer options
- Improve in-app notifications
- Add multi-currency support
- Enhance security features


## Frequently asked questions

### Is eLendly free?

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

### Is Monica free?

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

### Which has better reviews, eLendly or Monica?

Monica is rated higher. eLendly averages 2.2 out of 5 from 49 ratings, while Monica averages 4.6 from 14K ratings.

### Do eLendly or Monica have ads?

Neither eLendly nor Monica shows ads.

### Which is updated more often, eLendly or Monica?

eLendly ships an update every 2 months, and Monica weekly. Most recently, eLendly was updated on October 16, 2026 and Monica on October 19, 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.*