Comparison

IOUOI vs Luxe Lending

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

IOUOI

Easily track all your borrowing and lending activities for both money and items. Assign monetary values, organize by category, and manage payments with due dates and reminder emails. Keep a history of all past transactions.

Highlights
  • Track money and item borrowings/lendings
  • Assign monetary value to items
  • Organize by category
  • Close entries upon return
  • Password protection
  • Send reminder emails
  • Due date support
Features
Read full description

IOU | UOI - I Owe U Owe I Do you remember who borrowed your boxed DVD set of "Godfather"? Or, who took your copy of "Da Vinci Code" that you had to stand in line for an hour to be autographed by Dan Brown? How about the missing shovel - was that next door Joe or Mike who lives across the street? IOUOI is unlike any other application on the App Store - its lets you easily track all your borrowing and lending activities. - Follow me on Twitter @pixelround Features -- Basic Functions -- - Track all your borrowings and lendings - both money and items. - Assign monetary value to items borrowed/loaned. - Organize borrowings/lendings into categories for easy organization. - Close an entry once the person returns the item - keeps track of all old borrowing/lending activities. - Easy numeric entry -- Options -- - Password Protection with Forgot password reset support - Badge support for overdue, due soon entries - Color themes with millions of themes from colourlovers.com -- Management Functions -- - Track payments - Ability to send reminder emails with the tap of a button. - Due date support - List of recent contacts in Add/Edit dialog Others - Other eye-candy animations - Performance, Memory usage improvements - Now able to work with Exchange and Mobile Me contacts --------- All that and still free free free --------- ------- Coming up in upcoming versions - FTP Backup/Restore - Paypal integration - Facebook integration - Due Date/Close Date/Create Data Calendar IOUOI - a perfect solution to life's conundrums of borrowing and lending!! ----Help---- If you can help us with the translations for your language please contact us at support@proximux.com. Please do not post negative reviews. Contact me instead using http://www.proximux.com/iouoi/support. This application takes a lot more effort than iFart, Fart for Free and such gimmicky applications. A little encouragement would go a long way.

About

Luxe Lending

This app simplifies the home loan and mortgage process. It helps users compare loan options, assess affordability, calculate refinancing savings, and manage necessary documents. It also provides access to lender contacts and industry news.

Highlights
  • Compare loan options
  • Assess homeownership affordability
  • Calculate refinancing savings
  • Scan and submit loan documents
  • Access lender contacts
  • Stay informed on industry news
Features
Read full description

Luxe Lending is excited to help you with your home loan and committed to making the mortgage process as simple as possible. This app is more than just a tool, it was developed specifically with our customers’ needs at the forefront and aims to streamline every step on your path toward a new home loan. From first-time homebuyers to sophisticated investors to real estate agents looking to help their clients with a smoother process, you’re in good hands with Luxe Lending’s My Mortgage app. Key Features: • Compare multiple options and loan programs to help you identify which product is a great fit for your situation. • Determine if homeownership is an affordable solution based on your income and expenses. • Calculate your potential savings (or costs) of refinancing your current home loan. • Use your phone to easily scan in and submit the documents required to expedite your loan approval process. • Always have your primary lender contacts at your fingertips, including your Loan Officer, real estate agent, and more. • Stay informed on industry news that may impact your loan, including alerts to lower your interest rate with a refinance if possible. The My Mortgage app calculations are useful in helping you determine a budget and what homeownership might mean for you financially, but you should always consult a Luxe Lending loan officer for a solution that’s tailored to your specific needs and goals. We want you to be successful in every aspect of your homeownership journey, and your loan officer is key to that success. From product selection to simple questions about your loan or approval process, we’re eager to help.

Screenshots

IOUOI4 screens
Luxe Lending4 screens

Verdict

The call

The clearest difference is rating: Luxe Lending at 5.0 against IOUOI's 3.6. IOUOI's advantage is ratings volume (7 vs 1) and iOS requirement (13.0 vs 17.0). On price, update cadence, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Luxe Lending holds the better App Store score, 5.0 against 3.6. That said, the two scores are not equally well evidenced: IOUOI has 7 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

IOUOI ships an update every 5 months, Luxe Lending every 3 months. The most recent releases landed on October 31, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
IOUOI versus Luxe Lending: the parameters behind the verdict, then further details
ParameterIOUOILuxe Lending
PriceFreeFree
Rating3.6 (7 ratings)5.0 (1 ratings) — better
Positive reviews70.3% of reviews—
Number of ratings7 — better1
Update frequencyEvery 5 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better17.0
Further details — not scored
Size3 MB86 MB
Age rating4+4+
DeveloperSucheta KhotPFN Lending Group, Inc

Customer experience

IOUOI

All ratings7 ratings
Positive57.1%
Neutral14.3%
Negative28.6%
Written reviews101 reviews
Positive70.3%
Neutral10.9%
Negative18.8%

Luxe Lending

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

IOUOI

No in-app purchases

None

Luxe Lending

No in-app purchases

Questions

Is IOUOI free?
IOUOI is free to download, with no in-app purchases.
Is Luxe Lending free?
Luxe Lending is free to download, with no in-app purchases.
Which has better reviews, IOUOI or Luxe Lending?
Luxe Lending is rated higher. IOUOI averages 3.6 out of 5 from 7 ratings, while Luxe Lending averages 5.0 from 1 ratings.
Do IOUOI or Luxe Lending have ads?
Neither IOUOI nor Luxe Lending shows ads.
Which is updated more often, IOUOI or Luxe Lending?
IOUOI ships an update every 5 months, and Luxe Lending every 3 months. Most recently, IOUOI was updated on October 31, 2026 and Luxe Lending on November 3, 2026.

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