# LendingTree vs Grow Credit

The clearest difference is monetization model: LendingTree at free against Grow Credit's free with in-app purchases. LendingTree also leads on ratings volume (38K vs 10K). Grow Credit's advantage is iOS requirement (15.6 vs 17.5). On price, rating, review sentiment and update cadence there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for LendingTree against 4.8 for Grow Credit. Both are backed by a comparable volume of ratings — 38K and 10K respectively. Written reviews are what separate them: 50% of LendingTree's written reviews are positive against 48% of Grow Credit's.

Both ship on a similar rhythm, roughly fortnightly. Both last shipped on November 12, 2026.

## The numbers

| Metric | LendingTree | Grow Credit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (38K ratings)](https://appshunter.io/ios/app/lendingtree/id957868548/reviews)** | [4.8 (10K ratings)](https://appshunter.io/ios/app/grow-credit/id1482246872/reviews) |
| Number of ratings | **38K** | 10K |
| Positive reviews | **50.5% of reviews** | 47.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 59 MB | 84 MB |
| Requires iOS | 17.5 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [LendingTree](https://appshunter.io/developer/351438624) | [Grow Credit](https://appshunter.io/developer/1482246516) |

## What reviewers say

### LendingTree

[App page](https://appshunter.io/ios/app/lendingtree/id957868548)

Understand your credit, track financial rates, and shop for loans and cards from a vast network of lenders. Get personalized offers and instant alerts to stay ahead of fraud and make smarter financial decisions.

**Highlights:** Full financial picture in one view, Credit score monitoring and insights, Rate tracking for loans and cards, Personalized loan and card offers, Instant credit monitoring alerts, Fraud protection

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

**In-app purchases:** none

**What reviewers like**

- 💯 Excellent credit monitoring and reporting
- 💳 Helpful in getting approved for credit cards and loans
- 📈 Useful for improving and tracking credit score
- 💰 Provides valuable financial insights and savings opportunities

**What reviewers complain about**

- 🐛 Login and account verification issues
- 🔄 Inaccurate or outdated account and credit information
- 📞 Excessive sales calls and spam after signing up
- 🔍 Limited integration with financial institutions

**Reported bugs**

- App crashes and freezes during login and usage
- Inconsistent credit score reporting compared to other services
- Inability to properly configure loan and credit card preferences

**Requested features**

- Manual account and credit information updates
- Option to delete account information instead of just deactivating
- Better notification settings to control sales calls and emails


### Grow Credit

[App page](https://appshunter.io/ios/app/grow-credit/id1482246872)

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

**Highlights:** Build credit using subscriptions, No prior credit history required, Reports to all three credit bureaus, Free FICO score access, Credit education resources, Grow MasterCard

**In-app purchases:** none

**What reviewers like**

- 👍 Helpful for building credit
- 🚀 Easy to set up and use
- 💡 Convenient way to pay subscriptions
- 🚀 Quick credit score improvements
- 👍 Good customer service

**What reviewers complain about**

- 🐛 Inconsistent payment processing
- 🔒 Difficulty changing payment methods
- 🐛 Inaccurate credit reporting
- 🔒 Lack of transparency
- 🐛 Buggy app experience

**Reported bugs**

- Late payment reporting despite on-time payments
- Difficulty closing accounts
- Payments not processing correctly

**Requested features**

- Increase credit limits
- Allow payment of more subscription types
- Provide phone support
- Improve app stability and user experience


## Frequently asked questions

### Is LendingTree free?

LendingTree is free to download, with no in-app purchases.

### Is Grow Credit free?

Grow Credit is free to download, with no in-app purchases.

### Which has better reviews, LendingTree or Grow Credit?

LendingTree is rated higher. LendingTree averages 4.8 out of 5 from 38K ratings, while Grow Credit averages 4.8 from 10K ratings.

### Do LendingTree or Grow Credit have ads?

Neither LendingTree nor Grow Credit shows ads.

### Which is updated more often, LendingTree or Grow Credit?

LendingTree ships an update fortnightly, and Grow Credit fortnightly. Most recently, LendingTree was updated on November 12, 2026 and Grow Credit on November 12, 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.*