Borro vs Ubanklending

Borro is a calm, private way to track money between friends and family — who owes you, what you owe, and everything in between. Log a loan in seconds, split a group trip, and settle up when you're square. Offline-first: start instantly, no account needed. WHY BORRO • Offline-first — start tracking instantly, no sign-up. • Sign in to share with friends and split group expenses. • 150+ currencies with daily exchange rates. • No ads. Ever. TRACK WHO OWES YOU — AND WHO YOU OWE Pick "I lent" or "I borrowed", choose the person, enter the amount. Borro shows your balance per person and overall, so you always know where you stand. SPLIT GROUP EXPENSES Create a group for a trip, shared rent, or a team lunch. Split equally or your own way, and Borro tracks each member's balance. Shared entries are confirmed by the other person before they hit the ledger — no surprises, no disputes. SETTLE UP, THE EASY WAY Settle a balance in a tap, or scan a friend's QR code to connect and settle instantly. Partial payments fully supported. MULTIPLE CURRENCIES, LIVE FX Set a secondary display currency and Borro shows a conversion beside every amount — updated daily and cached, so it works offline too. PRIVATE BY DESIGN Your ledger stays on your device — we don't upload your transactions unless you share an entry or turn on Pro cloud backup. We never sell your data and never show ads. Export or delete everything, anytime. Wrist Control — see your balance and who owes who on Apple Watch. WHAT'S FREE • Unlimited people & transactions • Track who owes you & what you owe • Group splits (up to 2 groups) • Settle up + QR connect • Due-date reminders & manual nudges • Friend sync with mutual confirmation • Attach photo receipts locally • Insights summary & highlights • No ads, ever BORRO PRO Everything in free, plus the power tools: • Cloud backup & restore — your ledger, safe in the cloud and back on any device • Multi-device sync — use Borro on all your devices, always in sync • Advanced insights & forecasts — 30-day trend, monthly lent vs borrowed, a "looking ahead" forecast, and who you deal with most • Scan receipts — Borro reads the total off a printed receipt for you, fully on-device • Recurring transactions — set weekly or monthly and it auto-fills the series • Auto-reminders — gentle nudges sent automatically, so you never have to chase • PDF statements — export a clean statement per person or overall • CSV import & export — bring your data in, take it anywhere • Live currency converter — convert world currencies with daily rates, works offline • Unlimited groups — go beyond the free 2 • Home-screen widget — your net balance at a glance • App Lock — Face ID, Touch ID, or passcode • Premium themes — recolour the whole app to your taste Invite a friend and you both get 7 days of Pro, free. Start free. Upgrade anytime. Cancel anytime. Choose weekly, monthly, or yearly. Questions? support@aroralabs.org SUBSCRIPTION TERMS Borro Pro is an auto-renewing subscription (weekly, monthly, or yearly). Payment is charged to your Apple Account at confirmation of purchase. It renews automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel in your Apple Account settings. Any unused portion of a free trial is forfeited when you buy a subscription. Terms of Use: https://borro.aroralabs.org/terms/ Privacy Policy: https://borro.aroralabs.org/privacy/

Welcome to Ubank – Your Trusted Lending & Financial Assistance Companion. Ubank is a comprehensive mobile lending application designed to provide users with secure, efficient, and transparent financial services. Whether you need immediate funds for emergencies or flexible credit management, Ubank offers a seamless experience with an intuitive multilingual interface supporting both English and Chinese. 【Why Choose Ubank?】 - Fast Application: Streamlined digital process to apply for financial lines anytime, anywhere. - Secure & Confidential: Your data privacy is our highest priority, protected with industry-leading encryption and secure Google Single Sign-In. - Transparent Terms: Clear breakdown of fees, interest rates, and loan structures with zero hidden charges. 【Important Disclosures (Financial Compliance)】 - Minimum Repayment Period: 91 days - Maximum Repayment Period: 365 days - Annual Percentage Rate (APR): From 10% to 35% (based on user credit evaluation) - Representative Example: For a loan of $500 with a 180-day tenure and an APR of 24%, the interest fee will be $60. The total repayment amount will be $560. *Note: Ubank does not offer short-term personal loans that require full repayment within 60 days. Users must be at least 18 years old to apply.