LendFlow vs Uplat

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.

Uplat is the simple way to pay for what you need today and spread the cost over time. Split purchases into easy payments, settle every bill in seconds, shop your favourite stores and manage a smart card, all from one beautifully simple app. BUY NOW, PAY LATER — THE FAIR WAY Choose Uplat at checkout and split any purchase into three easy payments over three months. Pay the first part today and we'll collect the rest month by month, with a reminder before every payment. • One flat monthly rate, split into three • No compounding and no hidden fees • See your full payment schedule up front • Check your spending power in seconds, right in the app PAY EVERY BILL, ONE TAP AWAY Never queue for a top-up again. Buy airtime and data, pay for TV, settle your electricity and even book a flight — straight from your home screen. • Airtime, data, TV, electricity and more • We remember your favourite numbers, smartcards and meters • Confirm with your PIN or Face ID • Tokens and receipts arrive instantly A CARD THAT KEEPS UP WITH YOU Create a free virtual card in the app today and get a physical card shipped to your door — ready to pay online and in person. SHOP PARTNER STORES Discover stores you love and pay the way that works for you — in full, or split over time with Pay Later. UP AND RUNNING IN MINUTES 1. Download Uplat and create your account with your phone number. 2. Take a quick selfie and add a valid ID to unlock your full spending power — it takes a couple of minutes. 3. Start paying bills, shopping partner stores and splitting your purchases. BUILT WITH SECURITY IN MIND Every payment is protected by your PIN or Face ID, so only you can spend. Money made effortless. Download Uplat and start paying smarter today.