ZaPay vs LendWise
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ZaPay
This app facilitates peer-to-peer lending among friends and family, offering automated payments and scheduled payback dates. It includes in-app chat for communication and a transaction history to track all financial exchanges.
- Automated payments
- Scheduled payback dates
- In-app chat
- Transaction history
- Star rating system
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Imagine a world where friends can lend money to friends without a care in the world? Imagine family spotting each other a few bucks with no worries at all. That time has arrived. If you don’t know now you know! ZaPay is the start of a brand new era in friends and family lending! Download today and start “ZaPayin” right away! ZaPay Features: - Automated Payments - Scheduled automated payback dates to ensure confidence and reduce confusion. - Chat Function in the app - Communicate with users within the app. - Transaction History - Keep record of every transaction - Star Rating system - Rate your fellow ZaPayers once the transaction is complete
LendWise
Easily track money lent and borrowed with this app. It helps you manage all personal lending and borrowing records, including interest calculations and due date reminders. Enjoy secure, encrypted backups for your financial data.
- Track money lent
- Track money borrowed
- Interest calculation
- Due date reminders
- Encrypted backup
- Organized records
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Are you tired of forgetting who owes you money? LendWise is the smartest lending and borrowing tracker app to manage all your personal lent or borrowed records with interest calculation, due date reminders, and encrypted backup. Whether you lend money to friends and family or borrow from someone, LendWise keeps every money lent or borrowed tracked, organized, and secured on your device.
Screenshots
Verdict
The clearest difference is review sentiment: LendWise at 100% against ZaPay's 50%. LendWise also leads on rating (5.0 vs 3.7) and update cadence (every 3 weeks vs every 11 months). ZaPay's advantage is iOS requirement (13.0 vs 17.0). On price, ratings volume, ads and in-app purchases 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.
LendWise holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 3 respectively. Written reviews point the same way: 50% of ZaPay's written reviews are positive against 100% of LendWise's.
ZaPay ships an update every 11 months, LendWise every 3 weeks. The most recent releases landed on October 24, 2026 and October 17, 2026 respectively.
| Parameter | ZaPay | LendWise |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 3 | 3 |
| Update frequency | Every 11 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 27 MB | 36 MB |
| Age rating | 4+ | 4+ |
| Developer | ZaPay LLC | Mahesh kumar Nallakuttythevar |
Customer experience
ZaPay
LendWise
In-app purchases
ZaPay
No in-app purchases
LendWise
No in-app purchases
