# Five Lakes vs CreditU

The clearest difference is in-app purchases: Five Lakes at none against CreditU's 1. Five Lakes also leads on update cadence (weekly vs fortnightly) and ratings volume (4.8K vs 991). On price, rating, review sentiment and ads there is nothing between them.

Both are free to download. CreditU sells 1 in-app purchase, starting at $12.99 per month. Five Lakes asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.9 for Five Lakes against 4.9 for CreditU. Both are backed by a comparable volume of ratings — 4.8K and 991 respectively. Written reviews are what separate them: 93% of Five Lakes's written reviews are positive against 96% of CreditU's.

Five Lakes ships an update weekly, CreditU fortnightly. The most recent releases landed on September 28, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | Five Lakes | CreditU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (4.8K ratings)](https://appshunter.io/ios/app/five-lakes/id1635378642/reviews) | [4.9 (991 ratings)](https://appshunter.io/ios/app/creditu/id1663259146/reviews) |
| Number of ratings | **4.8K** | 991 |
| Positive reviews | 92.7% of reviews | **96.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | Free | Free |
| Size | 75 MB | 255 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 17+ | 17+ |
| Developer | [Sergio Rabiela](https://appshunter.io/developer/1634262833) | [American Consumer Credit Counseling, Inc](https://appshunter.io/developer/1663259148) |

## What reviewers say

### Five Lakes

[App page](https://appshunter.io/ios/app/five-lakes/id1635378642)

Track your financial program's progress and view enrolled accounts. Connect with a dedicated client success team for support and receive personalized financial tips and inspiration.

**Highlights:** Program progress review, Enrolled account management, Client Success Team connection, Personal finance tips, Financial journey inspiration

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Debt Relief Fast
- 👍 Fixing my debt
- 👍 Debt Reduction Help
- 👍 Easy way to get out of debt
- 👍 Thankful

**What reviewers complain about**

- 🐛 Scam
- ⚠️ Not informed on everything
- ⚠️ Be Cautious
- ⚠️ No communication
- ⚠️ Not a happy client

**Reported bugs**

- The app not working since last update

**Requested features**

- Dark mode option
- Advanced analytics dashboard


### CreditU

[App page](https://appshunter.io/ios/app/creditu/id1663259146)

This app helps users manage their credit, reduce debt, and optimize their budget with personalized plans. It offers tools for tracking progress, integrating with debt management plans, and ensuring data security.

**Highlights:** Advanced debt analysis, Personalized budget plans, Debt Management Plan integration, Progress monitoring, Credit score tracking, Secure data encryption

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Purchase | $12.99 | per month |

**What reviewers like**

- 🚀 Game changer
- 👍 Outstanding Support
- 👍 Life Savers
- 👍 Great Experience
- 👍 Helping me take my life back

**What reviewers complain about**

- 🐛 Lame
- 🐛 Horrible

**Reported bugs**

- Can't login
- Can't set up app

**Requested features**

- Dark mode option
- Advanced analytics dashboard


## Frequently asked questions

### Is Five Lakes free?

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

### Is CreditU free?

CreditU is free to download, with in-app purchases available.

### Which has better reviews, Five Lakes or CreditU?

Five Lakes and CreditU are both rated 4.9 out of 5 on the App Store, from 4.8K and 991 ratings respectively.

### Do Five Lakes or CreditU have ads?

Neither Five Lakes nor CreditU shows ads.

### Which is updated more often, Five Lakes or CreditU?

Five Lakes ships an update weekly, and CreditU fortnightly. Most recently, Five Lakes was updated on September 28, 2026 and CreditU on September 22, 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.*