Comparison

OTR Clutch vs LoadPay

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

Head to head
About

OTR Clutch

This app offers an online banking solution tailored for trucking companies, providing unlimited cash back on debit purchases and helping to build business credit for financing options. It's a secure, FDIC-insured platform with no hidden fees or minimums.

Highlights
  • Unlimited cash back on debit purchases
  • Build business credit
  • Access to financing options
  • FDIC-insured banking
  • No fees, minimums, or credit checks
  • Integrates with OTR Solutions services
Features
Read full description

Shift your business into high gear with OTR Clutch, the first online banking solution designed specifically for trucking companies. Earn unlimited cash back on debit purchases including recurring insurance and finance payments, and build business credit to gain access to credit and financing options. Backed by the Most Trusted Name in Transportation OTR Clutch is the newest innovation from OTR Solutions expanding their reputation as a trusted and reliable factoring provider into the banking world. In partnership with FDIC insured Thread Bank, OTR Clutch delivers unparalleled security and peace of mind where you need it most. Earn on Every Card Swipe on Debit Purchases Earn cash back on your everyday purchases and your high dollar expenses like insurance, equipment financing, and more. No Fees, No Minimums, No Credit Checks Open an account and start spending for free. There are no monthly balance minimums, usage requirements, or fees. Keep Your Current Account Open an OTR Clutch account and use it the way you want to, no need to close out your other accounts. But, we don’t think it will be long until you make OTR Clutch your preferred banking option. Access OTR Solutions' Suite of Services Need a factoring company? How about the best fuel discounts in the industry? With OTR Solutions factoring, OTR Fuel Card, and their vast network of insurance, load board, and compliance partners you won’t have to go far for more deals, savings, and resources.

About

LoadPay

This app provides a comprehensive financial hub for trucking businesses, integrating banking, factoring, and payment services. It offers real-time insights into cash flow and market intelligence to help carriers make informed decisions and grow their operations.

Highlights
  • Business banking for carriers
  • Integrated factoring for fast cash access
  • Real-time payment and cash flow visibility
  • Market insights and freight intelligence
  • Integrated financial and freight operations
Features
Read full description

LoadPay is the financial hub for carriers. Banking, factoring, payments, insights, and freight tools built to help trucking businesses thrive. Running a trucking business requires more than moving freight. LoadPay brings together the financial services and intelligence carriers need to make better decisions, improve cash flow, and grow with confidence. • Business banking designed for carriers • Fast access to cash through integrated factoring • Real-time visibility into payments and cash flow • Market insights and freight intelligence to help you make smarter decisions • A growing platform connecting your financial and freight operations Download LoadPay and keep your business moving forward. *Screens may contain simulated data. Feature availability, functionality, and access may vary by user and account eligibility.

Screenshots

OTR Clutch4 screens
LoadPay3 screens

Verdict

The call

The clearest difference is review sentiment: LoadPay at 100% against OTR Clutch's 20%. LoadPay also leads on device support (3 vs 1) and iOS requirement (14.0 vs 16.4). OTR Clutch's advantage is rating (4.8 vs 4.3) and ratings volume (194 vs 6). On price, ads, in-app purchases and monetization model 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

OTR Clutch holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: OTR Clutch has 194 ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 20% of OTR Clutch's written reviews are positive against 100% of LoadPay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

OTR Clutch ships an update every 5 weeks, LoadPay every 4 months. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

Scorecard6 real differences · 4 level
OTR Clutch versus LoadPay: the parameters behind the verdict, then further details
ParameterOTR ClutchLoadPay
PriceFreeFree
Rating4.8 (194 ratings) — better4.3 (6 ratings)
Positive reviews20.0% of reviews100.0% of reviews — better
Number of ratings194 — better6
Update frequencyEvery 5 weeks — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.414.0 — better
Further details — not scored
Size111 MB5 MB
Age rating4+4+
DeveloperOTR Capital LLCTBK Bank

Customer experience

OTR Clutch

All ratings194 ratings
Positive94.3%
Neutral3.1%
Negative2.6%
Written reviews10 reviews
Positive20.0%
Neutral40.0%
Negative40.0%

LoadPay

All ratings6 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

OTR Clutch

No in-app purchases

None

LoadPay

No in-app purchases

Questions

Is OTR Clutch free?
OTR Clutch is free to download, with no in-app purchases.
Is LoadPay free?
LoadPay is free to download, with no in-app purchases.
Which has better reviews, OTR Clutch or LoadPay?
OTR Clutch is rated higher. OTR Clutch averages 4.8 out of 5 from 194 ratings, while LoadPay averages 4.3 from 6 ratings.
Do OTR Clutch or LoadPay have ads?
Neither OTR Clutch nor LoadPay shows ads.
Which is updated more often, OTR Clutch or LoadPay?
OTR Clutch ships an update every 5 weeks, and LoadPay every 4 months. Most recently, OTR Clutch was updated on November 3, 2026 and LoadPay on November 4, 2026.

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