Comparison

LendPal vs LendFlow

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

Head to head
About

LendPal

Easily track personal loans and repayments in one place. Monitor outstanding balances, record payments flexibly, and stay organized with loan grouping and due date tracking. Offers customization and security features.

Highlights
  • Track outstanding loan balances
  • Record and edit repayments
  • Group loans by person
  • Identify overdue loans
  • Customizable currency and appearance
  • Face ID/Touch ID protection
Features
Read full description

Lending money shouldn’t mean losing track of it. LendPal gives you one clear place to record personal loans, follow repayments, and understand what is still outstanding—whether you’re helping a friend, relative, or someone you trust. SEE THE FULL PICTURE • View the outstanding balance across all active loans • Review money lent and repayments received during any selected period • See whether each period resulted in a net inflow or outflow STAY ORGANIZED • Group loans by person • Keep active loans separate from settled history • Track principal, repayments, remaining balance, and progress • Add due dates and quickly identify overdue loans RECORD REPAYMENTS FLEXIBLY • Add and edit individual payments • Record amounts received above the original principal • Mark a loan as fully paid or forgiven • Correct payment details after a loan has been settled MAKE IT YOURS • Choose your preferred currency • Use light, dark, or system appearance • Protect the app with Face ID or Touch ID where supported LENDPAL PREMIUM Upgrade to unlock unlimited loans, complete loan history, due-date reminders, CSV data export, and iCloud sync across your devices. LendPal is a personal record-keeping tool. It does not lend money, collect debts, or provide financial advice. SUBSCRIPTION TERMS LendPal Premium is available through auto-renewable monthly, three-month, and yearly subscriptions. Payment will be charged to your Apple Account upon confirmation. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current subscription period. You can manage or cancel your subscription through your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://sylvan-d-ash.github.io/portfolio/lendpal/privacy.html

About

LendFlow

Features
Read full description

LendFlow is your personal finance manager for tracking all lending and borrowing transactions. Easily monitor who owes you money, whom you owe, and calculate interest with precision.

Screenshots

LendPal4 screens
LendFlow3 screens

Verdict

The call

The clearest difference is in-app purchases: LendFlow at none against LendPal's 3. LendFlow also leads on iOS requirement (15 vs 18.4). LendPal's advantage is update cadence (weekly vs every 2 weeks). On price, ads 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. LendPal sells 3 in-app purchases, starting at $2.99 per month. LendFlow asks for nothing beyond the download.

UpkeepUpdate frequency

LendPal ships an update weekly, LendFlow every 2 weeks. Both last shipped on October 1, 2026.

Scorecard3 real differences · 6 level
LendPal versus LendFlow: the parameters behind the verdict, then further details
ParameterLendPalLendFlow
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyWeekly — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPadiPhone, iPod
Requires iOS18.415 — better
Further details — not scored
Size8 MB20 MB
Age rating4+17+
DeveloperJohn MutuaDEVLOOPS SOFTWARE NEPAL

In-app purchases

3 purchases

LendPal

Subscriptions3
  • Monthly Plan$2.991 Month
  • 3-Months Plan$6.993 Months
  • Annual Plan$24.991 Year
None

LendFlow

No in-app purchases

Questions

Is LendPal free?
LendPal is free to download, with in-app purchases available.
Is LendFlow free?
LendFlow is free to download, with no in-app purchases.
Do LendPal or LendFlow have ads?
Neither LendPal nor LendFlow shows ads.
Which is updated more often, LendPal or LendFlow?
LendPal ships an update weekly, and LendFlow every 2 weeks. Most recently, LendPal was updated on October 1, 2026 and LendFlow on October 1, 2026.

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