# Lendee App vs Sephiance

The clearest difference is in-app purchases: Lendee App at none against Sephiance's 2. Lendee App also leads on iOS requirement (15.0 vs 26.4). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Sephiance sells 2 in-app purchases, starting at $0.99 per month. Lendee App asks for nothing beyond the download.

Lendee App ships an update every 5 days, Sephiance every 4 days. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Lendee App | Sephiance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.2 (110 ratings)](https://appshunter.io/ios/app/lendee-app/id6737959895/reviews)** | — |
| Number of ratings | **110** | — |
| Positive reviews | 23.4% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 days | **Every 4 days** |
| Monetization | Free | — |
| Size | 147 MB | 6 MB |
| Requires iOS | **15.0** | 26.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [Lendee App](https://appshunter.io/developer/1604333528) | [IOANNIS TZALAS](https://appshunter.io/developer/1896774179) |

## What reviewers say

### Lendee App

[App page](https://appshunter.io/ios/app/lendee-app/id6737959895)

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.

**Highlights:** 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

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### Sephiance

[App page](https://appshunter.io/ios/app/sephiance-financial-tools/id6771245791)

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Sephiance Premium Monthly | $0.99 | per month |
| Sephiance lifetime | $8.99 | one-time |


## Frequently asked questions

### Is Lendee App free?

Lendee App is free to download, with no in-app purchases.

### Is Sephiance free?

Sephiance is free to download, with in-app purchases available.

### Do Lendee App or Sephiance have ads?

Neither Lendee App nor Sephiance shows ads.

### Which is updated more often, Lendee App or Sephiance?

Lendee App ships an update every 5 days, and Sephiance every 4 days. Most recently, Lendee App was updated on November 4, 2026 and Sephiance on November 5, 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.*