Best First Loan Apps

227+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

Whether you're new to first loan or looking for an upgrade, our curated collection of 227+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top First Loan Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1LoanNow by First Heritage MtgLoanNow by First Heritage MtgFree4.6★ (20)NoNoJul 2026
2FairMoney: Loan App In NigeriaFairMoney: Loan App In NigeriaFree4.6★ (14K)NoNoAug 2026
3Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9★ (38K)NoNoAug 2026
4iMobile: Loan, Cards & BankingiMobile: Loan, Cards & BankingFree4.8★ (65K)NoNoAug 2026
5Carbon: Mobile Banking & LoansCarbon: Mobile Banking & LoansFree4.5★ (10K)NoNoAug 2026
6IDFC FIRST Bank: MobileBankingIDFC FIRST Bank: MobileBankingFree4.8★ (2.9K)NoNoAug 2026
7Fast Payday LoansFast Payday LoansFree4.7★ (851)NoNoAug 2026
8Loan In TouchLoan In TouchFreeNoNoMay 2026

Top Picks for First Loan

FairMoney: Loan App In Nigeria#2

FairMoney: Loan App In Nigeria by FAIRMONEY MICROFINANCE BANK LIMITED

Instant Loan App For Fast Cash
Strong Contender
💰 Finance
4.6😐(14K ratings)
Free
FairMoney: Loan App In Nigeria screenshot 1
FairMoney: Loan App In Nigeria screenshot 2
FairMoney: Loan App In Nigeria screenshot 3
FairMoney: Loan App In Nigeria screenshot 4
FairMoney: Loan App In Nigeria screenshot 5
FairMoney: Loan App In Nigeria screenshot 6

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

What We Love

  • 🚀 Fast and easy loan process
  • 👍 Reliable and trustworthy
  • 💯 Smooth and seamless experience

Room to Improve

  • 💰 High interest rates
  • 🔍 Inconsistent loan offers
  • 📞 Aggressive repayment reminders
Upstart: Personal Loans + More#3

Upstart: Personal Loans + More by Upstart Network, Inc.

Money for moments that matter
Worth Considering
💰 Finance
4.9😞(38K ratings)
Free
#78in Finance
Upstart: Personal Loans + More screenshot 1
Upstart: Personal Loans + More screenshot 2
Upstart: Personal Loans + More screenshot 3
Upstart: Personal Loans + More screenshot 4
Upstart: Personal Loans + More screenshot 5
Upstart: Personal Loans + More screenshot 6

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

What We Love

  • 👍 Easy to use
  • 👍 Convenient app
  • 👍 Quick loan approval
  • 🚀 Fast loan disbursement

Room to Improve

  • 🐛 Login issues
  • 💰 High interest rates
  • 🕰️ Slow payment processing

More First Loan apps to explore

4
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards
💰 Finance
(65K)
free
5
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Save Money|Transfers| Loans
Free

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

High-interest savings accountsAccessible instant loansBuy Now, Pay Later (0% interest)
💰 Finance
(10K)
free with in-app purchases
6
IDFC FIRST Bank: MobileBanking
IDFC FIRST Bank: MobileBanking
IDFC FIRST Bank: MobileBanking
Savings, Payments, and Loans
Free

Manage your finances with a comprehensive mobile banking app. Perform instant payments, track expenses, build wealth through investments, and access loans and insurance. Enjoy zero-fee banking services and personalized offers.

One-Swipe Banking for account managementInstant payments and UPI transfersZero fee banking services
💰 Finance
(2.9K)
free with in-app purchases
7
Fast Payday Loans
Fast Payday Loans
Fast Payday Loans
by Rainbow UK Ltd
Free

Access quick cash with this app, allowing you to borrow between £100 and £1000. It connects you with top UK lenders through a simple form, matching you to the most suitable loan provider.

Borrow £100 to £1000Connects with top UK lendersSimple application form
💰 Finance
(851)
free
8
Loan In Touch
Loan In Touch
Loan In Touch
Apply for Loan easily!
Free

Apply for loans from trusted banks with competitive rates from home. Documents can be collected, loans approved, and funds credited to your account in under 72 hours.

Easy loan applicationTrusted bank partnershipsCompetitive interest rates
💰 Finance
(0)
free
9
First Fed Bank
First Fed Bank
First Fed Bank
by First Federal Savings & Loan Association of Port Angeles
Free

Manage your finances conveniently on the go. Check balances, view transaction history, transfer funds, and pay bills. Activate cash back offers and easily contact customer service for support.

Check available balancesView transaction historyTransfer funds between accounts
💰 Finance
(1.4K)
ad-supported
10
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
💰 Finance
(450K)
subscription
11
Moniepoint Business Banking
Moniepoint Business Banking
Moniepoint Business Banking
Mobile bank account|POS|Loans
Free

This app offers comprehensive mobile banking solutions for businesses. It allows users to open business accounts, accept payments, manage expenses with dedicated cards, purchase airtime, and pay bills. Businesses can also request POS terminals and access savings plans to grow their reserves.

Business bank account creationAccept online and offline paymentsPOS terminal requests
💰 Finance
(15K)
free with in-app purchases
12
First Federal Savings & Loan
First Federal Savings & Loan
First Federal Savings & Loan
by First Federal Savings and Loan Association of Bath
Free

Manage your finances on the go with this mobile banking app. Check balances, transfer funds, pay bills, deposit checks, and find branches or ATMs easily. It offers secure and convenient access to your accounts anytime, anywhere.

Check available balanceTransfer fundsView transaction history
💰 Finance
(123)
free
13
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding
💰 Finance
(258K)
subscription
14
EasyLoans: Compare Loans
EasyLoans: Compare Loans
EasyLoans: Compare Loans
Compare and Discover Loans
Free

Easily compare a wide range of financial products including home, vehicle, personal, and business loans from various institutions. This platform helps you check eligibility, compare offers with interest rates and tenures, and even fill out loan applications online.

Compare Home LoansCompare Vehicle LoansCompare Personal Loans
💰 Finance
(398)
free
15
First Financial Bank Mtg Loan
First Financial Bank Mtg Loan
First Financial Bank Mtg Loan
by First Financial Corporation
Free
💰 Finance
(0)
16
Moniepoint Personal Banking
Moniepoint Personal Banking
Moniepoint Personal Banking
Savings account | Send money
Free

This app provides a secure and convenient way to manage your finances in Nigeria. Open an account, send and receive money instantly, pay bills, buy airtime, and grow your savings with competitive interest rates. It offers a comprehensive digital banking solution for everyday financial needs.

Open bank account instantlySend and receive money fastEarn up to 18% interest on savings
💰 Finance
(29K)
free
17
first direct
first direct
first direct
by first direct
Free

Manage your finances on the go with this intuitive mobile banking application. Easily check balances, view transactions, and transfer funds to friends and family. This app simplifies everyday money management, with more enhancements planned for the future.

Check account balancesView transaction historyPay family and friends
💰 Finance
(1.9K)
free
18
Webster First Home Loans
Webster First Home Loans
Webster First Home Loans
by Webster First Federal Credit Union
Free
💰 Finance
(0)
19
Loan Calculator‰
Loan Calculator‰
Loan Calculator‰
Simple Loan Calculator
Free

Easily calculate loan or mortgage payments. Simply input the loan amount, repayment term, and interest rate to get your estimated monthly payment.

Loan calculationMortgage calculationAmount input
💰 Finance
(96K)
ad-supported
20
FAHM Loans
FAHM Loans
FAHM Loans
Get a Home Loan the easy way
Free
💰 Finance
(0)

FAQ about First Loan

What are the best first loan apps for iPhone?
LoanNow by First Heritage Mtg tops our first loan apps ranking as of July 2026, with a 4.6-star average from 20 App Store ratings, and it's free to download.
Yes — 20 of the top first loan apps we rank are free to download, including LoanNow by First Heritage Mtg and FairMoney: Loan App In Nigeria.
LoanNow by First Heritage Mtg has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 227+ first loan apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
LoanNow is a mobile application designed to guide users through the mortgage loan process. It allows for exploring mortgage options, managing applications, and tracking loan progress in real-time.
Currently, LoanNow is supported on iPhone devices. Information regarding Android or other platform availability is not provided.