Lendee App vs Uprova
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Lendee App
Invest in business payment plans by purchasing outstanding receivables at a discount. Earn returns as customers make their scheduled payments, with all servicing handled for you. Redeploy your earnings or transfer them to your bank account.
- Explore and filter available contracts
- Evaluate business and customer profiles
- Purchase whole or partial contracts
- Collect payments via Lendee Wallet
- Redeploy earnings or transfer to bank
- Servicing handled by a third party
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Lendee lets you buy receivables: the remaining payments on payment plans that businesses have offered their customers. You buy those payments at a discount and collect them as the customer pays. How It Works 1. Explore: Browse available contracts and filter by number of payments remaining, amount, term, and Lendee Score. 2. Evaluate: Review the business profile, the customer, and the payment history before you buy. 3. Purchase: Buy a whole contract or just part of its payments. The contract is assigned to you and tracked in the app. 4. Receive: As the customer pays, your share is credited to your Lendee Wallet on the contract's schedule. 5. Redeploy: Transfer funds to your bank account or use them to buy another receivable. Why Businesses Sell Their Payment Plans Dental, veterinary, optometry, physical therapy, and auto repair practices often let customers pay over time. Instead of waiting months to collect, they sell the remaining payments at a discount to get cash sooner. What You See on Every Contract • Contract details: payment amount, due dates, remaining term, and how much has already been paid • Business profile: verified by Lendee • Customer profile: payment history and Lendee Score Servicing Is Handled for You A servicer manages each contract for its full term: billing, payment reminders, payment tracking, follow-up on late payments, and recovery. Your Lendee Wallet See what you have received, what is still to come, and your upcoming payments in one place. Payments arrive on the contract's schedule, not as a lump sum. Important to Know Receivables are not bank deposits or savings products. They are not insured or guaranteed. Customers can pay late or stop paying, and you could get back less than you paid. A good payment history does not guarantee future payments. Review each contract carefully before you buy.
Uprova
Access fast, personal loans for emergencies and cash-flow needs. Receive quick approvals and funds within 30 minutes, with no collateral required. Build credit with timely payments and enjoy flexible repayment options.
- Fast loan approvals
- Funds within 30 minutes
- No collateral required
- Flexible repayment options
- Build credit history
- No prepayment penalties
- Easy application process
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With the Uprova Loans mobile app, you'll have 24/7 access to manage your account all in one place. New loans are not available on the Uprova Loans mobile app. App features include: • View account balance, next payment due date and payment amount. • Schedule an additional payment. • Access account documents, including your payment schedule. • Get a payoff quote or schedule a pay-in-full. Download today!
Screenshots
Verdict
The clearest difference is rating: Lendee App at 3.2 against Uprova's 1.7. Lendee App also leads on update cadence (every 5 days vs every 3 months) and review sentiment (23% vs 0%). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Lendee App holds the better App Store score, 3.2 against 1.7. Both are backed by a comparable volume of ratings — 110 and 27 respectively. Written reviews point the same way: 23% of Lendee App's written reviews are positive against 0% of Uprova's.
Lendee App ships an update every 5 days, Uprova every 3 months. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.
| Parameter | Lendee App | Uprova |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (110 ratings) — better | 1.7 (27 ratings) |
| Positive reviews | 23.4% of reviews — better | 0.0% of reviews |
| Number of ratings | 110 — better | 27 |
| Update frequency | Every 5 days — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 147 MB | 39 MB |
| Age rating | 17+ | 17+ |
| Developer | Lendee App | Uprova Credit, LLC |
Customer experience
Lendee App
Uprova
In-app purchases
Lendee App
No in-app purchases
Uprova
No in-app purchases









