# OTR Clutch vs LoadPay

The clearest difference is review sentiment: LoadPay at 100% against OTR Clutch's 22%. LoadPay also leads on 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.

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

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: 22% 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.

OTR Clutch ships an update every 5 weeks, LoadPay every 3 months. The most recent releases landed on September 16, 2026 and July 8, 2026 respectively.

## The numbers

| Metric | OTR Clutch | LoadPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (194 ratings)](https://appshunter.io/ios/app/otr-clutch/id6445851199/reviews)** | [4.3 (6 ratings)](https://appshunter.io/ios/app/loadpay/id6505123792/reviews) |
| Number of ratings | **194** | 6 |
| Positive reviews | 22.2% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 111 MB | 5 MB |
| Requires iOS | 16.4 | **14.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [OTR Capital LLC](https://appshunter.io/developer/1031043529) | [TBK Bank](https://appshunter.io/developer/990325216) |

## What reviewers say

### OTR Clutch

[App page](https://appshunter.io/ios/app/otr-clutch/id6445851199)

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:** Apple Wallet

**In-app purchases:** none


### LoadPay

[App page](https://appshunter.io/ios/app/loadpay/id6505123792)

A banking application designed for trucking companies, enabling truck drivers and owners to manage their finances and access earnings quickly. It aims to centralize financial operations for the trucking industry.

**Highlights:** Centralize finances for trucking companies, Access earnings within minutes, Designed for truck drivers and owners, Streamline financial operations

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked 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 3 months. Most recently, OTR Clutch was updated on September 16, 2026 and LoadPay on July 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.*