Comparison

Shield Guide vs Cashlo

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

Head to head
About

Shield Guide

This app connects homeowners facing foreclosure with HUD-certified housing counselors. It guides users through preparing for counseling sessions and organizing finances, offering support in English and Spanish.

Highlights
  • Connects with HUD-certified counselors
  • Guides preparation for counseling
  • Helps organize finances
  • Available in English and Spanish
  • Protects user privacy
Features
Read full description

Shield Guide connects homeowners facing foreclosure with HUD-certified housing counselors — step by step, in English and Spanish. Whether you've received a notice of default, missed payments, or aren't sure what comes next, Shield Guide helps you take action before it's too late. What Shield Guide does: Connects you directly with HUD-certified foreclosure prevention counselors near you Guides you through the steps to prepare for your counseling session Helps you organize your financial situation before your appointment Available in English and Spanish Your privacy is protected: No data is sold or shared Your information is encrypted and secure You stay in control of your data at all times HUD-certified housing counselors are trained professionals who work directly with mortgage servicers on your behalf. Shield Guide is not affiliated with HUD, the government, or any lender. This app does not provide legal or financial advice.

About

Cashlo

Access a portion of your earned wages before your next payday. Securely connect your bank account to see your available advance amount and choose your preferred delivery speed. All repayment terms are clearly displayed upfront with no interest or credit checks.

Highlights
  • Access up to $750 before payday
  • No interest or credit check
  • Clear, upfront repayment terms
  • Instant or standard delivery options
  • Track advances and repayment history
  • Secure bank account connection
Features
Read full description

Cashlo helps business owners prepare and manage business-funding requests. Cashlo is not a lender and does not make credit decisions. We help businesses prepare funding requests and connect with third-party funding providers. Approval, available amounts and financing terms are determined by the provider. Funding is not guaranteed. Royal Boudoir Inc. operates Cashlo. Our team reviews application information for completeness and helps arrange referrals to third-party funding providers. Request amounts may be up to $10 million; this is a request limit, not an offer or an available credit limit. YOUR BUSINESS WORKSPACE • Save your application and return to it later • Add business and ownership information • Scan and upload business bank statements • Preview and replace documents • Message the Cashlo team about your request • View team updates and outstanding document requests • Choose optional app lock and update notifications Saving an application does not automatically send it to a funding provider, authorize a credit inquiry or commit you to financing. Any referral, credit authorization, fees and financing terms are disclosed and agreed separately before proceeding. Cashlo team review is not a credit decision. This business workspace does not provide personal loans or paycheck advances and does not require a paid membership. The previous Cashlo monthly membership has been removed from sale. Previous accounts are separate; contact support for help with the earlier service. Support: https://cashlo.net/support.html Privacy Policy: https://cashlo.net/legal/privacy.html Terms of Use: https://cashlo.net/legal/terms.html Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Shield Guide4 screens
Cashlo3 screens

Verdict

The call

The clearest difference is rating: Shield Guide at 5.0 against Cashlo's 3.0. Shield Guide also leads on in-app purchases (none vs 1). Cashlo's advantage is ratings volume (64 vs 1) and update cadence (every 6 days vs fortnightly). On price, ads, device support and iOS requirement 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. Cashlo sells 1 in-app purchase, starting at $4.99 per month. Shield Guide asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Shield Guide holds the better App Store score, 5.0 against 3.0. That said, the two scores are not equally well evidenced: Cashlo has 64 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Shield Guide ships an update fortnightly, Cashlo every 6 days. The most recent releases landed on September 28, 2026 and October 14, 2026 respectively.

Scorecard5 real differences · 5 level
Shield Guide versus Cashlo: the parameters behind the verdict, then further details
ParameterShield GuideCashlo
PriceFreeFree
Rating5.0 (1 ratings) — better3.0 (64 ratings)
Positive reviews—61.5% of reviews
Number of ratings164 — better
Update frequencyFortnightlyEvery 6 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size46 MB28 MB
Age rating4+4+
DeveloperShield Guide, LLCRoyal Boudoir inc

In-app purchases

None

Shield Guide

No in-app purchases

1 purchases

Cashlo

Subscriptions1
  • Cashlo membership$4.991 Month

Questions

Is Shield Guide free?
Shield Guide is free to download, with no in-app purchases.
Is Cashlo free?
Cashlo is free to download, with in-app purchases available.
Which has better reviews, Shield Guide or Cashlo?
Shield Guide is rated higher. Shield Guide averages 5.0 out of 5 from 1 ratings, while Cashlo averages 3.0 from 64 ratings.
Do Shield Guide or Cashlo have ads?
Neither Shield Guide nor Cashlo shows ads.
Which is updated more often, Shield Guide or Cashlo?
Shield Guide ships an update fortnightly, and Cashlo every 6 days. Most recently, Shield Guide was updated on September 28, 2026 and Cashlo on October 14, 2026.

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