Comparison

Patch Systems vs Borrowly

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

Head to head
About

Patch Systems

Access earned wages before payday with instant transfers. Offers a payroll card and a loan option with fixed APR, all managed within one application.

Highlights
  • Access earned wages before payday
  • Instant and standard pay transfers
  • Payroll Mastercard with no monthly fees
  • Fixed APR loan option
  • Manage pay, loans, and card in one app
Features
Read full description

Patch Systems is for people who work at businesses that use Patch Systems. Your employer turns it on, and it costs you nothing to have. Reach pay you have already earned You worked the hours. You should not have to wait until Friday to reach the money. Take what you have earned so far this pay period, up to half of it, whenever you need it. Standard transfers cost nothing. Instant transfers cost $3.99. No interest, no credit check, and nothing comes out of your next check beyond what you took. Every shift adds to it. Work an hour and a little more is ready. A loan that is not a payday loan Between 1,000 and 5,000 dollars at 19.99 percent fixed APR, paid back over twelve months straight out of your check. No credit check. You need twelve months with your employer to qualify, and it is not available in every state. The Patch Card A payroll Mastercard that holds your pay and your transfers in one place. No monthly fees and no minimum balance. Use it anywhere Debit Mastercard is accepted, or activate a virtual card for buying online. One app Your earned pay, your loan and your card in the same place. Set up direct deposit, see what you have earned this period, and move money without asking anyone. ---- Rates, terms, fees and availability vary by state, by employer and by your own qualifications. Workplace loans are originated by Sunrise Banks, N.A., Member FDIC, and are not available in all states. The Patch Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to a license by Mastercard International Incorporated.

About

Borrowly

Features
Read full description

Borrowly helps you remember what you lend, who has it, and when it’s time to get it back. Lend something to a friend? Snap a photo, choose the borrower, and Borrowly keeps track of the rest. Borrowly makes lending simple: • Track items you lend to friends, family, or coworkers • Snap a photo and quickly create a loan • Keep the borrower, date, notes, and item details in one place • Send borrowers the loan details — they don’t even need the app • Automatically follow up when something hasn’t been returned • Send reminders whenever you need to • Track money you lend and outstanding balances • Record partial payments or mark a loan paid in full • Keep a history of what you’ve loaned and what’s been returned • See everything you’ve shared in one place No more trying to remember who has your tools, chargers, clothes, equipment, money, or anything else. Borrowly remembers so you don’t have to. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://useborrowly.xyz/privacy

Screenshots

Patch Systems4 screens
Borrowly4 screens

Verdict

The call

The clearest difference is in-app purchases: Patch Systems at none against Borrowly's 2. Borrowly's advantage is update cadence (every 5 days vs every 2 weeks) and iOS requirement (16.4 vs 18.0). 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. Borrowly sells 2 in-app purchases, starting at $3.99 per month. Patch Systems asks for nothing beyond the download.

UpkeepUpdate frequency

Patch Systems ships an update every 2 weeks, Borrowly every 5 days. Both last shipped on October 31, 2026.

Scorecard3 real differences · 6 level
Patch Systems versus Borrowly: the parameters behind the verdict, then further details
ParameterPatch SystemsBorrowly
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 2 weeksEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhoneiPhone, iPad — better
Requires iOS18.016.4 — better
Further details — not scored
Size37 MB42 MB
Age rating4+4+
DeveloperPatch Systems, Inc.Jesse Huggins

In-app purchases

None

Patch Systems

No in-app purchases

2 purchases

Borrowly

Subscriptions2
  • Borrowly Plus7 Days trial$3.991 Month
  • Borrowly Plus7 Days trial$29.991 Year

Questions

Is Patch Systems free?
Patch Systems is free to download, with no in-app purchases.
Is Borrowly free?
Borrowly is free to download, with in-app purchases available.
Do Patch Systems or Borrowly have ads?
Neither Patch Systems nor Borrowly shows ads.
Which is updated more often, Patch Systems or Borrowly?
Patch Systems ships an update every 2 weeks, and Borrowly every 5 days. Most recently, Patch Systems was updated on October 31, 2026 and Borrowly on October 31, 2026.

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