# Patch Systems vs Borrowly

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.

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.

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

## The numbers

| Metric | Patch Systems | Borrowly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/patch-systems/id6775796122/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 5 days** |
| Monetization | Free | — |
| Size | 37 MB | 42 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Patch Systems, Inc.](https://appshunter.io/developer/6775796125) | [Jesse Huggins](https://appshunter.io/developer/6791376179) |

## What reviewers say

### Patch Systems

[App page](https://appshunter.io/ios/app/patch-systems/id6775796122)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Borrowly

[App page](https://appshunter.io/ios/app/borrowly-borrow-and-lend/id6791375877)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Borrowly Plus | $3.99 | per month |
| Borrowly Plus | $29.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*