Comparison

Together Loans vs Tower Loan

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

Head to head
About

Together Loans

This app offers personal loans based on trust rather than solely on credit history. It allows users to apply for loans, view statements, make payments, and access support in real-time. Users can also top up existing loans or borrow more.

Highlights
  • Apply for loans in-app
  • View loan details
  • Access statements
  • Secure payments
  • Real-time loan support
  • Top up and borrow more
Features
Currently charting
Read full description

New to Together Loans? We're building a new type of loan company. One based on trust. We offer personal loans, but these loans are a little different. Most lenders look at your credit history to decide whether you can borrow from them, based on how you've previously handled your money. We don't do that - our loans are based on trust*. If you're trustworthy and can afford the monthly payments but have been turned down for other loans, Together Loans could be for you. We offer a fair, simple and transparent loan based on trust - not just your financial history. With the Together Loans app you can: - Apply for a loan right here in the app - View you loan like never before - Quickly access your statement - Make payments simply and securely - Get help with your loan in real time - Top Up and Borrow More To learn more about Together Loans and how we offer a fresh approach on lending visit our website at togetherloans.com. Representative Example: Borrowing $3,000.00 over 24 months, repaying $177.13 per month, total repayable $4,251.12. Interest Rate 35.99% APR. Minimum term 24 months. Maximum term 60 months. Maximum APR 35.99%. There are no added fees. All Loans are subject to credit and underwriting approval. The full range of available loan amounts and rates varies by State. *All loans are subject to identity verification and underwriting approval. Borrowers cannot be actively bankrupt, and must provide a cosigner that meets our credit criteria. Your credit history may be considered if you share finances with the cosigner. Personal loans through the Together Loans branded Loan Program are subject to approval and are issued by one of the following lending partners: Medallion Bank, Member FDIC; Transform Credit Inc. (NMLS ID: 1905055); or TL Financial Services LLC (NMLS ID: 2766355). Transform Credit Inc. (NMLS ID: 1905055) and TL Financial Services LLC (NMLS ID: 2766355) conduct business as the Together Loans brand. See our licenses and DBAs for more details (https://togetherloans.com/licenses). Together Loans is a financial technology company, not a bank.

About

Tower Loan

Easily manage your loan account with this mobile app. Check balances, make payments, view statements, and get important notifications. Access branch information and customer support conveniently.

Highlights
  • Check balance and due date
  • Make and schedule payments
  • View and download e-statements
  • Receive payment reminders
  • Update payment methods
  • Locate branches and ATMs
  • Contact customer support
Features
Read full description

With the Tower Loan Mobile App, managing your loan has never been easier. Securely log in with Face ID or Touch ID and: Check your current balance and payment due date at a glance Make one-time or schedule recurring payments in seconds View and download e-statements anytime Receive push notifications for upcoming due dates Update your payment methods on the go Locate nearby branches and ATMs Contact customer support directly from the app Whether you’re on the couch or on the move, the Tower Loan App puts full control of your account right in your pocket. Download now and simplify the way you manage your loan!

Screenshots

Together Loans4 screens
Tower Loan4 screens

Verdict

The call

The clearest difference is rating: Together Loans at 4.2 against Tower Loan's 3.1. Together Loans also leads on chart position (#176 vs unranked) and ratings volume (412 vs 48). On price, review sentiment, update cadence and ads 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

Together Loans holds the better App Store score, 4.2 against 3.1. That said, the two scores are not equally well evidenced: Together Loans has 412 ratings behind it against 48, so its average is the more settled of the two. Written reviews point the same way: 26% of Together Loans's written reviews are positive against 22% of Tower Loan's.

UpkeepUpdate frequency

Together Loans ships an update fortnightly, Tower Loan every 3 weeks. Both last shipped on November 4, 2026.

Scorecard4 real differences · 7 level
Together Loans versus Tower Loan: the parameters behind the verdict, then further details
ParameterTogether LoansTower Loan
PriceFreeFree
Rating4.2 (412 ratings) — better3.1 (48 ratings)
Positive reviews25.6% of reviews — better22.2% of reviews
Number of ratings412 — better48
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#176 — better—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.6 — better17.0
Further details — not scored
Size38 MB42 MB
Age rating4+17+
DeveloperTransform CreditTower Loan Company

Customer experience

Together Loans

All ratings412 ratings
Positive81.3%
Neutral1.7%
Negative17.0%
Written reviews39 reviews
Positive25.6%
Neutral0.0%
Negative74.4%

Tower Loan

All ratings48 ratings
Positive45.8%
Neutral12.5%
Negative41.7%
Written reviews18 reviews
Positive22.2%
Neutral11.1%
Negative66.7%

In-app purchases

None

Together Loans

No in-app purchases

None

Tower Loan

No in-app purchases

Questions

Is Together Loans free?
Together Loans is free to download, with no in-app purchases.
Is Tower Loan free?
Tower Loan is free to download, with no in-app purchases.
Which has better reviews, Together Loans or Tower Loan?
Together Loans is rated higher. Together Loans averages 4.2 out of 5 from 412 ratings, while Tower Loan averages 3.1 from 48 ratings.
Do Together Loans or Tower Loan have ads?
Neither Together Loans nor Tower Loan shows ads.
Which is updated more often, Together Loans or Tower Loan?
Together Loans ships an update fortnightly, and Tower Loan every 3 weeks. Most recently, Together Loans was updated on November 4, 2026 and Tower Loan on November 4, 2026.

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