Comparison

ULend vs LoanMate

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

Head to head
About

ULend

This platform connects investors with vetted small and medium-sized enterprise financing opportunities in Saudi Arabia. It offers a secure, Shariah-compliant digital environment for short-term private credit investments with real-time performance tracking.

Highlights
  • SAMA-regulated platform
  • Short-term investment opportunities (3-12 months)
  • Competitive annual returns
  • Real-time portfolio tracking
  • Transparent fee structure
  • Shariah-Compliant environment
Features
Read full description

ULend is Saudi Arabia’s debt crowdfunding platform, licensed and regulated by the Saudi Central Bank (SAMA). We connect investors with carefully vetted SME financing opportunities through a secure, Shariah-Compliant, and fully compliant digital environment. Whether you're new to alternative investments or an experienced investor, ULend provides access to a curated marketplace of short-term private credit opportunities. Diversify your portfolio, define your investment preferences, and monitor performance in real time through an intuitive digital experience. Each opportunity undergoes a structured credit evaluation process using verified financial data sources and recognized credit bureaus to support informed decision-making. Key Features: • SAMA-regulated platform with strong governance and compliance standards • Short-term investment opportunities (3–12 months) • Competitive annual returns (not guaranteed) • Real-time portfolio tracking and performance insights • Transparent fee structure with clear disclosure Why ULend? As Saudi Arabia’s fintech ecosystem continues to evolve, ULend expands access to regulated alternative investments. Our technology-driven platform is designed to provide transparency, efficiency, and investor control — all within a trusted regulatory framework. Download ULend and explore regulated private credit opportunities in Saudi Arabia.

About

LoanMate

Features
Read full description

Take control of your finances with LoanMate, the ultimate loan and EMI calculator. Whether you are planning a mortgage, an auto loan, or a personal loan, LoanMate provides accurate and instant calculations. Key Features: - Calculate EMI, total interest, and total payment. - Compare two different loans side-by-side. - View detailed monthly amortization schedules. - Save and manage your favorite loans. - Dark Mode and seamless offline experience. Plan smarter and become debt-free faster with LoanMate!

Screenshots

ULend4 screens
LoanMate4 screens

Verdict

The call

The clearest difference is in-app purchases: ULend at none against LoanMate's 1. ULend also leads on ads (none vs shown) and iOS requirement (13.0 vs 15.0). On price, update cadence 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. LoanMate sells 1 one-off in-app purchase. ULend asks for nothing beyond the download.

UpkeepUpdate frequency

ULend ships an update every 3 weeks, LoanMate every 2 weeks. The most recent releases landed on July 28, 2026 and September 20, 2026 respectively.

Scorecard3 real differences · 7 level
ULend versus LoanMate: the parameters behind the verdict, then further details
ParameterULendLoanMate
PriceFreeFree
Rating5.0 (2 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings2 — better—
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size48 MB69 MB
Age rating17+12+
DeveloperNayifat Finance CompanyKHANH HA DANG

In-app purchases

None

ULend

No in-app purchases

1 purchases

LoanMate

One-time1
  • Premium Version$2.99

Questions

Is ULend free?
ULend is free to download, with no in-app purchases.
Is LoanMate free?
LoanMate is free to download, with in-app purchases available.
Do ULend or LoanMate have ads?
LoanMate shows ads; ULend does not.
Which is updated more often, ULend or LoanMate?
ULend ships an update every 3 weeks, and LoanMate every 2 weeks. Most recently, ULend was updated on July 28, 2026 and LoanMate on September 20, 2026.

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