Comparison

FlexWage vs Cashlo

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

Head to head
About

FlexWage

Access a portion of your earned wages before payday to cover unexpected expenses. This service is not a loan and funds are available immediately. It helps eliminate overdraft and late payment fees, with automatic deductions on your payday.

Highlights
  • Access earned wages before payday
  • Cover unexpected expenses
  • Eliminate bank overdraft fees
  • View OnDemand Pay balance
  • View company policies
  • Transfer wages
  • View transfer history
Read full description

Your MONEY when YOU need it! FlexWage OnDemand Pay gives you immediate access to a portion of your earned pay before payday. With OnDemand Pay you can access your earned wages and cover unexpected expenses or budget shortfalls. >>> Not a loan >>> Money is available in immediately >>> Eliminate bank overdraft fees, late payment fees, and short-term loans >>> Transferred wages and fees are automatically deducted from your paycheck on payday The FREE mobile app lets you: + See your OnDemand Pay balance details + View your company OnDemand Pay policies + Perform OnDemand Pay transfers + View Your OnDemand Pay transfer history FlexWage OnDemand Pay is an optional, voluntary financial benefit program. Contact your employer to request this must-have financial wellness benefit. A FlexWage account and registration via a participating employer is required. All access and use of this App is subject to and governed by End User License Agreement, Website Rules & Regulations and Privacy Statement. There is no charge from FlexWage, but message and data rates may apply.

About

Cashlo

Access a portion of your earned wages before your next payday. Securely connect your bank account to see your available advance amount and choose your preferred delivery speed. All repayment terms are clearly displayed upfront with no interest or credit checks.

Highlights
  • Access up to $750 before payday
  • No interest or credit check
  • Clear, upfront repayment terms
  • Instant or standard delivery options
  • Track advances and repayment history
  • Secure bank account connection
Features
Read full description

Cashlo helps business owners prepare and manage business-funding requests. Cashlo is not a lender and does not make credit decisions. We help businesses prepare funding requests and connect with third-party funding providers. Approval, available amounts and financing terms are determined by the provider. Funding is not guaranteed. Royal Boudoir Inc. operates Cashlo. Our team reviews application information for completeness and helps arrange referrals to third-party funding providers. Request amounts may be up to $10 million; this is a request limit, not an offer or an available credit limit. YOUR BUSINESS WORKSPACE • Save your application and return to it later • Add business and ownership information • Scan and upload business bank statements • Preview and replace documents • Message the Cashlo team about your request • View team updates and outstanding document requests • Choose optional app lock and update notifications Saving an application does not automatically send it to a funding provider, authorize a credit inquiry or commit you to financing. Any referral, credit authorization, fees and financing terms are disclosed and agreed separately before proceeding. Cashlo team review is not a credit decision. This business workspace does not provide personal loans or paycheck advances and does not require a paid membership. The previous Cashlo monthly membership has been removed from sale. Previous accounts are separate; contact support for help with the earlier service. Support: https://cashlo.net/support.html Privacy Policy: https://cashlo.net/legal/privacy.html Terms of Use: https://cashlo.net/legal/terms.html Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

FlexWage4 screens
Cashlo3 screens

Verdict

The call

The clearest difference is rating: FlexWage at 4.8 against Cashlo's 3.3. FlexWage also leads on in-app purchases (none vs 1) and ratings volume (1.2K vs 72). Cashlo's advantage is update cadence (every 5 days vs every 6 months) and review sentiment (65% vs 39%). On price, ads and device support 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. Cashlo sells 1 in-app purchase, starting at $4.99 per month. FlexWage asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

FlexWage holds the better App Store score, 4.8 against 3.3. That said, the two scores are not equally well evidenced: FlexWage has 1.2K ratings behind it against 72, so its average is the more settled of the two. Written reviews complicate that: 39% of FlexWage's written reviews are positive against 65% of Cashlo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

FlexWage ships an update every 6 months, Cashlo every 5 days. Both last shipped on October 24, 2026.

Scorecard7 real differences · 3 level
FlexWage versus Cashlo: the parameters behind the verdict, then further details
ParameterFlexWageCashlo
PriceFreeFree
Rating4.8 (1.2K ratings) — better3.3 (72 ratings)
Positive reviews38.9% of reviews64.9% of reviews — better
Number of ratings1.2K — better72
Update frequencyEvery 6 monthsEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS11.0 — better15.1
Further details — not scored
Size30 MB29 MB
Age rating4+4+
DeveloperFlexWage SolutionsRoyal Boudoir inc

Customer experience

FlexWage

All ratings990 ratings
Positive95.3%
Neutral1.3%
Negative3.4%
Written reviews18 reviews
Positive38.9%
Neutral0.0%
Negative61.1%

Cashlo

All ratings66 ratings
Positive50.0%
Neutral3.0%
Negative47.0%
Written reviews57 reviews
Positive64.9%
Neutral1.8%
Negative33.3%

Bugs and requests

FlexWage

Reported bugs

3 issues
  • Requesting transfer doesn't work
  • Unable to connect and transfer money
  • App goes black when trying to transfer money

Requested features

2 requests
  • Improve app functionality
  • Enhance customer support

Cashlo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FlexWage

No in-app purchases

1 purchases

Cashlo

Subscriptions1
  • Cashlo membership$4.991 Month

Questions

Is FlexWage free?
FlexWage is free to download, with no in-app purchases.
Is Cashlo free?
Cashlo is free to download, with in-app purchases available.
Which has better reviews, FlexWage or Cashlo?
FlexWage is rated higher. FlexWage averages 4.8 out of 5 from 1.2K ratings, while Cashlo averages 3.3 from 72 ratings.
Do FlexWage or Cashlo have ads?
Neither FlexWage nor Cashlo shows ads.
Which is updated more often, FlexWage or Cashlo?
FlexWage ships an update every 6 months, and Cashlo every 5 days. Most recently, FlexWage was updated on October 24, 2026 and Cashlo on October 24, 2026.

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