# eLendly vs SmartGains

The clearest difference is rating: SmartGains at 4.0 against eLendly's 2.2. eLendly's advantage is ratings volume (49 vs 3) and iOS requirement (12.0 vs 16.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SmartGains holds the better App Store score, 4.0 against 2.2. That said, the two scores are not equally well evidenced: eLendly has 49 ratings behind it against 3, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on September 16, 2026 and September 1, 2026 respectively.

## The numbers

| Metric | eLendly | SmartGains |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.2 (49 ratings)](https://appshunter.io/ios/app/elendly/id1626632575/reviews) | **[4.0 (3 ratings)](https://appshunter.io/ios/app/smartgains/id6756178786/reviews)** |
| Number of ratings | **49** | 3 |
| Positive reviews | 6.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 70 MB | 86 MB |
| Requires iOS | **12.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Elendly Limited](https://appshunter.io/developer/1626632577) | [SMARTGAINS VENTURES](https://appshunter.io/developer/1858880785) |

## 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


### SmartGains

[App page](https://appshunter.io/ios/app/smartgains/id6756178786)

Manage your complete financial portfolio, including mutual funds, stocks, bonds, and insurance. Track investments, view historical performance, and generate detailed reports. Invest online and utilize various financial calculators.

**Highlights:** Complete portfolio reporting, Historical performance tracking, Transaction statement generation, Online investment in mutual funds, SIP and STP tracking, Insurance premium reminders, Financial calculators

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

**In-app purchases:** none


## Frequently asked questions

### Is eLendly free?

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

### Is SmartGains free?

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

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

SmartGains is rated higher. eLendly averages 2.2 out of 5 from 49 ratings, while SmartGains averages 4.0 from 3 ratings.

### Do eLendly or SmartGains have ads?

Neither eLendly nor SmartGains shows ads.

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

eLendly ships an update every 2 months, and SmartGains every 2 months. Most recently, eLendly was updated on September 16, 2026 and SmartGains on September 1, 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.*