# Shellpoint vs ToolBox Financial

The clearest difference is update cadence: ToolBox Financial at every 6 days against Shellpoint's monthly. Shellpoint's advantage is iOS requirement (15.0 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

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

Shellpoint ships an update monthly, ToolBox Financial every 6 days. The most recent releases landed on October 12, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | Shellpoint | ToolBox Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (17K ratings)](https://appshunter.io/ios/app/shellpoint/id6443957708/reviews)** | — |
| Number of ratings | **17K** | — |
| Positive reviews | 55.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 6 days** |
| Monetization | Free | — |
| Size | 73 MB | 18 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Newrez LLC](https://appshunter.io/developer/1435999021) | [Belmont General LLC](https://appshunter.io/developer/1840022874) |

## What reviewers say

### Shellpoint

[App page](https://appshunter.io/ios/app/shellpoint/id6443957708)

Manage your mortgage conveniently online. View account details, make payments, and access important documents directly from your mobile device. Stay on top of your loan with easy-to-use tools.

**Highlights:** View loan account details, Make one-time payments, Schedule recurring payments, Access statements and documents, View recent account activity

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Straightforward payment process
- 👍 Convenient payment history
- 👍 Smooth system
- 👍 Easy payment service

**What reviewers complain about**

- 🐛 App crashes or doesn't load
- 🐛 Outdated and clunky interface
- 🐛 Slow performance
- 🐛 Lack of modern features
- 🐛 Unreliable customer service

**Reported bugs**

- Unable to access loan information
- Keyboard not working in app
- Login issues, unable to log in

**Requested features**

- Ability to set up and save multiple accounts
- Push notifications for due dates
- Clearer payment history breakdown
- Partial payment option


### ToolBox Financial

[App page](https://appshunter.io/ios/app/toolbox-financial/id6804525892)

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

**In-app purchases:** none


## Frequently asked questions

### Is Shellpoint free?

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

### Is ToolBox Financial free?

ToolBox Financial is free to download, with no in-app purchases.

### Do Shellpoint or ToolBox Financial have ads?

Neither Shellpoint nor ToolBox Financial shows ads.

### Which is updated more often, Shellpoint or ToolBox Financial?

Shellpoint ships an update monthly, and ToolBox Financial every 6 days. Most recently, Shellpoint was updated on October 12, 2026 and ToolBox Financial on October 8, 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.*