FinFit vs S1 FinFit
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FinFit
This app provides employees with educational resources, tools, and financial solutions to achieve financial stability and meet their goals. Earn points through a rewards program for cash and prizes, and access services like personalized assessments, coaching, and money management.
- Personalized financial assessment
- One-on-one financial coaching
- Credit and banking solutions
- Student loan services
- Online money management dashboard
- Budgeting tools and calculators
- Member rewards program
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FinFit offers a wide range of educational resources, tools and financial solutions to assist employees in meeting their financial goals and achieving financial stability. Through the FinFit member rewards program, you’ll earn points that you can redeem for cash and prizes. Here are some of the financial services available: Personalized financial assessment One-on-one financial coaching Credit and banking solutions Student loan services Online money management dashboard Educational tools and resources Individual Insurance Budgeting tools and calculators Coupon vault Disclaimer: Products listed are a representation of FinFit offerings. Not all products are available in all states or to all member companies. FinFit’s Financial Wellness Program, which includes educational content, a financial assessment and a financial dashboard, is free to registered members. Other ancillary services offered may incur fees which will be disclosed prior to entering into any agreements.
S1 FinFit
This financial assistant helps you organize your finances, track spending, monitor your credit score, and prepare for homeownership. It provides insights into your financial wellness and offers resources for personal finance management.
- Financial dashboard summary
- Spending tracking by category
- Free credit score and report monitoring
- Homeownership preparation tools
- Debt-to-income ratio management
- Encrypted data sharing
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S1 FinFit is a financial digital assistant available to you free through an invitation from Synergy One Lending. We’re here to help you achieve your financial wellness goals. Organize in one place: Your S1 FinFit dashboard summarizes important financial information such as: account balances, transactions, net worth, budgeting, credit score, cash flow analysis, estimated home value, spending analysis, offers and promotions from Synergy One Lending, and an information center with personal finance articles and videos, all in one place. Budgeting: Understand what you are spending and where. Track your spending by categories and drill down into subcategories. Receive alerts if you are off track or confirmation if you are on track. Free Credit Score, Report and Monitoring: Your credit score is prominently displayed in your dashboard - and it doesn't cost you anything. Track changes month to month and learn the key factors that make up your score like length of credit, timely payment history, utilization of credit, total accounts opened and inquiries. Don't worry, this is a "soft credit pull," meaning there is no impact to your score by checking it. Look through your credit report for accuracy. Access helpful articles that explain credit bureaus, credit score, and more. Prepare: Prepare for home ownership by planning for a down payment, establishing reserves, managing your debt-to-income ratio, improving or maintaining your credit, creating loan scenarios through our calculators, establishing your projected loan-to-value, and more. Visit the readiness assessment in your app to see a snapshot of your credit overview, debt-to-income ratio, cash reserves, employment, down payment, and sales price. Share: When you are ready to move forward with a financial transaction, you choose to share information from your accounts to easily get the process started. All data is always encrypted. Security: Security is our #1 job so you can feel confident that the financial accounts you’ve connected and documents you’ve uploaded are secure. See more here: https://www.finlocker.com/security/ Privacy: Your privacy is important to us. To learn how we protect your privacy, visit: https://s1l.com/privacy-policy/
Screenshots
Verdict
The clearest difference is rating: FinFit at 4.9 against S1 FinFit's 4.5. FinFit also leads on ratings volume (3.2K vs 16). S1 FinFit's advantage is review sentiment (71% vs 57%). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
FinFit holds the better App Store score, 4.9 against 4.5. That said, the two scores are not equally well evidenced: FinFit has 3.2K ratings behind it against 16, so its average is the more settled of the two. Written reviews complicate that: 57% of FinFit's written reviews are positive against 71% of S1 FinFit's, so the app with the better star average is not the one people write more warmly about.
FinFit ships an update every 2 months, S1 FinFit every 5 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.
| Parameter | FinFit | S1 FinFit |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (3.2K ratings) — better | 4.5 (16 ratings) |
| Positive reviews | 57.3% of reviews | 71.4% of reviews — better |
| Number of ratings | 3.2K — better | 16 |
| Update frequency | Every 2 months | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 76 MB | 115 MB |
| Age rating | 4+ | 12+ |
| Developer | FinFit Ops LLC | Synergy One Lending Inc |
Customer experience
FinFit
S1 FinFit
Bugs and requests
FinFit
Reported bugs
114 issues- Impossible login
- Security is impossible
- Wait 20 minutes for wrong attempts
- Useless as app
- Keeps getting minimum loan amount
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- Identity verification issues
- Can't get hold of real person
- Customer service unresponsive
- App has been down for days
- Upload glitching out
- Identity verification fails
- Not able to take out another loan
- Wish you didn't have to reverify
- Wish automatic loan after early payment
- Major lag when clicking
- Can't find employer
- Poorly designed app
- Biometric login needs code every time
- App freezes and becomes unresponsive
- Need to close and re-login
- Freezes and becomes unresponsive
- Selfie freezes or cuts off
- On hold for almost an hour
- Customer service can't help
- ID and self pictures didn't match up
- App freezes after few minutes
- Unresponsive after few minutes
- Can't update employment details
- Can't click on payment frequency
- App freezes, won't scroll
- Auto payment didn't work
- Missed payment due to app error
- No way to transfer money out
- App is absolute garbage
- Repeatedly asking for text codes
- Codes delayed or not received
- No account deletion
- Linked accounts spam with 2FA
- Customer support incapable of helping
- Improperly trained support
- No human contact available
- Chat refers to phone, phone refers to chat
- Disconnected after hold
- VISA uses out of country support
- Problem when needed, no human interaction
- No customer service
- Can't get replacement card
- Employment details not verified
- Application resubmitted, have to wait
- Phone call hangs up
- App doesn't work on iPhone 11
- Takes to sign in page repeatedly
- Painfully outdated and frustrating
- No bi-monthly payment option
- Takes forever to load
- Verify every time you click
- Aggravating verification
- Web browser used more often
- App constantly crushes
- Needs improvement for stability
- App hardly runs
- Crashes like crazy
- Hardly loads
- Code verification each login
- 2-factor verification by text doesn't work
- Email verification never loads
- Stuck on transparent black screen
- Needs full-blown upgrade
- Loan service not working for weeks
- Always unresponsive
- Doesn't load most of the time
- Logged out when navigating
- Trivia game fails
- App hiccups during trivia
- Support for app issues is poor
- App needs better UI
- Loan balance higher than expected
- Forget to deduct payment
- Missed late payment on their screw up
- Took 4 days to get someone on phone
- Companies don't stand behind word
- Companies don't take accountability
- Scam
- No option to stretch payments
- Withdrawing money too soon
- Interest charges on small amounts
- Mobile site has no cancel option
- Phone number message: unable to answer
- Don't do business with this company
- Notify coworkers to stay away
- Reaching out to HR
- App doesn't work
- Need answers on why app is down
- Delayed like crazy
- Very poorly designed app
- App freezes and becomes unresponsive
- Incompetent
- Unusable
- Fixes are needed asap
- So aggravating
- Their auto payment didn’t work
- Worst app ever
- NEVER USE THIS
- Is anyone there
- No customer service
- My 2nd Loan Application is Pending
- Doesn’t Work
- No bi monthly?
- I did love this app
- App doesn’t work well
- Glitches, Errors, & More
- Horrible service from the app to support
- Horrible App
- Beware
Requested features
21 requests- Option to stretch loan payments
- Bi-monthly payment option
- Ability to update employment details easily
- Automatic loan approval after early payment
- Dark mode option
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- Advanced analytics dashboard
- More flexible payment plans
- Improved UI/UX for the app
- Better customer service accessibility
- Option to cancel account directly in app
- More robust financial education courses
- Ability to transfer money out to bank easily
- Clearer explanation for loan denials
- More intuitive navigation within the app
- Option to receive 2-factor verification via text
- Ability to use biometric login without repeated codes
- More payment frequency options
- Improved app stability and performance
- Faster loading times
- Easier way to get a replacement card
- Clearer communication on app downtime
S1 FinFit
Not enough reviews yet to summarise bugs or requests.
In-app purchases
FinFit
No in-app purchases
S1 FinFit
No in-app purchases









