# ZaPay vs LendWise

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.

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.

## The numbers

| Metric | ZaPay | LendWise |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (3 ratings)](https://appshunter.io/ios/app/zapay/id1632479997/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/lendwise-lending-tracker/id6764729120/reviews)** |
| Number of ratings | 3 | 3 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 11 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 27 MB | 36 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [ZaPay LLC](https://appshunter.io/developer/1632479999) | [Mahesh kumar Nallakuttythevar](https://appshunter.io/developer/1895894763) |

## What reviewers say

### ZaPay

[App page](https://appshunter.io/ios/app/zapay/id1632479997)

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.

**Highlights:** Automated payments, Scheduled payback dates, In-app chat, Transaction history, Star rating system

**In-app purchases:** none


### LendWise

[App page](https://appshunter.io/ios/app/lendwise-lending-tracker/id6764729120)

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.

**Highlights:** Track money lent, Track money borrowed, Interest calculation, Due date reminders, Encrypted backup, Organized records

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

**In-app purchases:** none


## Frequently asked questions

### Is ZaPay free?

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

### Is LendWise free?

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

### Which has better reviews, ZaPay or LendWise?

LendWise is rated higher. ZaPay averages 3.7 out of 5 from 3 ratings, while LendWise averages 5.0 from 3 ratings.

### Do ZaPay or LendWise have ads?

Neither ZaPay nor LendWise shows ads.

### Which is updated more often, ZaPay or LendWise?

ZaPay ships an update every 11 months, and LendWise every 3 weeks. Most recently, ZaPay was updated on October 24, 2026 and LendWise on October 17, 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.*