# CreditU vs Finance 360

The clearest difference is in-app purchases: Finance 360 at none against CreditU's 1. Finance 360 also leads on iOS requirement (14.0 vs 16.0). CreditU's advantage is ratings volume (993 vs 19). On price, rating, review sentiment and update cadence there is nothing between them.

Both are free to download. CreditU sells 1 in-app purchase, starting at $12.99 per month. Finance 360 asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.9 for CreditU against 5.0 for Finance 360. That said, the two scores are not equally well evidenced: CreditU has 993 ratings behind it against 19, so its average is the more settled of the two. Written reviews are what separate them: 96% of CreditU's written reviews are positive against 100% of Finance 360's.

CreditU ships an update every 3 weeks, Finance 360 every 11 days. The most recent releases landed on October 8, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | CreditU | Finance 360 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (993 ratings)](https://appshunter.io/ios/app/creditu/id1663259146/reviews) | **[5.0 (19 ratings)](https://appshunter.io/ios/app/finance-360/id6462083278/reviews)** |
| Number of ratings | **993** | 19 |
| Positive reviews | 95.8% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 11 days** |
| Monetization | Free | Free |
| Size | 255 MB | 159 MB |
| Requires iOS | 16.0 | **14.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 17+ | 17+ |
| Developer | [American Consumer Credit Counseling, Inc](https://appshunter.io/developer/1663259148) | [Finance 360](https://appshunter.io/developer/1722586032) |

## What reviewers say

### 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


### Finance 360

[App page](https://appshunter.io/ios/app/finance-360/id6462083278)

Connect with financial specialists for personalized advice on retirement, debt, taxes, and estate planning. Access educational resources, receive custom financial analysis, and discover products for a healthy financial lifestyle.

**Highlights:** Direct access to financial experts, Tax and estate planning consultations, Comprehensive financial pillars coverage, Educational mini-videos, Personalized financial analysis, Inspiring online store

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

**In-app purchases:** none


## Frequently asked questions

### Is CreditU free?

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

### Is Finance 360 free?

Finance 360 is free to download, with no in-app purchases.

### Which has better reviews, CreditU or Finance 360?

Finance 360 is rated higher. CreditU averages 4.9 out of 5 from 993 ratings, while Finance 360 averages 5.0 from 19 ratings.

### Do CreditU or Finance 360 have ads?

Neither CreditU nor Finance 360 shows ads.

### Which is updated more often, CreditU or Finance 360?

CreditU ships an update every 3 weeks, and Finance 360 every 11 days. Most recently, CreditU was updated on October 8, 2026 and Finance 360 on September 14, 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.*