# Five Lakes vs PayProof Inc

The clearest difference is in-app purchases: Five Lakes at none against PayProof Inc's 2. Five Lakes also leads on ratings volume (4.8K vs 1). PayProof Inc's advantage is iOS requirement (13.0 vs 15.1). On price, rating, review sentiment and update cadence there is nothing between them.

Both are free to download. PayProof Inc sells 2 in-app purchases, starting at $9.99 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 5.0 for PayProof Inc. That said, the two scores are not equally well evidenced: Five Lakes has 4.8K ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 93% of Five Lakes's written reviews are positive against 100% of PayProof Inc's.

Five Lakes ships an update weekly, PayProof Inc every 6 days. The most recent releases landed on September 25, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | Five Lakes | PayProof Inc |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (4.8K ratings)](https://appshunter.io/ios/app/five-lakes/id1635378642/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payproof-inc/id6761936617/reviews)** |
| Number of ratings | **4.8K** | 1 |
| Positive reviews | 92.7% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 6 days** |
| Monetization | **Free** | Subscription |
| Size | 75 MB | 16 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Sergio Rabiela](https://appshunter.io/developer/1634262833) | [West Dukes](https://appshunter.io/developer/1879317799) |

## 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


### PayProof Inc

[App page](https://appshunter.io/ios/app/payproof-inc/id6761936617)

This platform tracks real payment behavior to build trust and improve financial access. It connects dealerships, consumers, and recovery agents with features like AI risk alerts and live vehicle tracking.

**Highlights:** Real Payment Intelligence Engine, AI Risk Alerts, Live Vehicle Tracking, Dealer + Consumer Sync, Recovery Marketplace, Build payment score, Track payment history

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayProof Standard | $9.99 | per month |
| PayProof Premium | $19.99 | per month |


## Frequently asked questions

### Is Five Lakes free?

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

### Is PayProof Inc free?

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

### Which has better reviews, Five Lakes or PayProof Inc?

PayProof Inc is rated higher. Five Lakes averages 4.9 out of 5 from 4.8K ratings, while PayProof Inc averages 5.0 from 1 ratings.

### Do Five Lakes or PayProof Inc have ads?

Neither Five Lakes nor PayProof Inc shows ads.

### Which is updated more often, Five Lakes or PayProof Inc?

Five Lakes ships an update weekly, and PayProof Inc every 6 days. Most recently, Five Lakes was updated on September 25, 2026 and PayProof Inc on September 18, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*