Best Lending Borrowing Apps

178+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated July 2026

From beginner-friendly picks to power-user tools, our lending borrowing list covers 178+ iPhone apps updated through July 2026. Compare ratings, prices, and screenshots in one place.

Compare top Lending Borrowing Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1SoLo Funds: Lend & BorrowSoLo Funds: Lend & BorrowFree4.4★ (39K)YesNoJul 2026
2Lenme: Investing and BorrowingLenme: Investing and BorrowingFree4.4★ (73K)YesYesJul 2026
3LendPal - Borrow & Lend Money + Items to FriendsLendPal - Borrow & Lend Money + Items to FriendsFree4.1★ (614)NoNoJul 2026
4Possible: Fast Cash & CreditPossible: Fast Cash & CreditFree4.8★ (133K)YesNoJul 2026
5SoBo: Something BorrowedSoBo: Something BorrowedFree5.0★ (1)NoNoMay 2026
6Money Borrowing: Cash AdvanceMoney Borrowing: Cash AdvanceFreeYesNoJul 2026
7Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9★ (37K)NoNoJul 2026
8LendingPointLendingPointFree4.8★ (3.2K)NoNoJul 2026

Top Picks for Lending Borrowing

SoLo Funds: Lend & Borrow#1

SoLo Funds: Lend & Borrow by SoLo Funds Inc.

Loans On Your Terms
Editor's Choice
💰 Finance
4.4😞(39K ratings)
FreeAds
SoLo Funds: Lend & Borrow screenshot 1
SoLo Funds: Lend & Borrow screenshot 2
SoLo Funds: Lend & Borrow screenshot 3
SoLo Funds: Lend & Borrow screenshot 4
SoLo Funds: Lend & Borrow screenshot 5
SoLo Funds: Lend & Borrow screenshot 6

Access funds up to $625 without credit checks or earn money by lending to others. This community finance platform offers a banking solution and AI-powered financial advice. It ensures no hidden fees and provides a safety net for its members.

What We Love

  • 💰 Helpful for emergencies
  • 🤝 Community-driven lending platform
  • ⚡ Quick loan funding
  • 🕰️ Flexible repayment periods

Room to Improve

  • 🤷‍♂️ Inconsistent customer support
  • 🤯 Unclear fees and policies
  • 🤕 High risk of loan defaults
Lenme: Investing and Borrowing#2

Lenme: Investing and Borrowing by Lenme Inc.

Borrow, Lend & Grow!
Strong Contender
💰 Finance
4.4😞(73K ratings)
FreeAdsIn-App Purchases
#12in Finance
Lenme: Investing and Borrowing screenshot 1
Lenme: Investing and Borrowing screenshot 2
Lenme: Investing and Borrowing screenshot 3
Lenme: Investing and Borrowing screenshot 4
Lenme: Investing and Borrowing screenshot 5
Lenme: Investing and Borrowing screenshot 6

Access instant cash advances and personal loans regardless of credit score. Borrow or lend money with flexible terms and transparent fees. Explore money-saving tools and passive income opportunities.

What We Love

  • 🚀 Smooth app experience
  • 👍 User-friendly interface
  • 💡 Innovative peer-to-peer lending model
  • 🤝 Helpful when in financial need

Room to Improve

  • 🐛 Frequent app crashes
  • 🕰️ Slow customer support response times
  • 💳 Issues with bank account linking
4.1😐(614 ratings)
Free
LendPal - Borrow & Lend Money + Items to Friends screenshot 1
LendPal - Borrow & Lend Money + Items to Friends screenshot 2
LendPal - Borrow & Lend Money + Items to Friends screenshot 3
LendPal - Borrow & Lend Money + Items to Friends screenshot 4

Easily track money and items lent or borrowed among friends, family, and roommates. Set reminders to ensure nothing is forgotten and settle debts with a simple swipe.

What We Love

  • 👍 Easy to use
  • 📋 Helps keep track of lending/borrowing
  • 🔍 Simple and straightforward interface
  • 🔔 Useful reminder feature

Room to Improve

  • 🐛 Crashes and freezes
  • 🔍 Limited functionality (no partial payments, editing, etc.)
  • 💬 Annoying rating prompts

More Lending Borrowing apps to explore

4
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Borrow money, loans, advances
Free

Access quick cash advances and build your credit history with a loan that offers no late fees and flexible repayment options. Borrow up to $500 instantly, even with bad or no credit, and receive funds directly to your bank account.

Borrow up to $500 instantlyNo late or penalty feesPay over time in 4 installments
💰 Finance
(133K)
free with in-app purchases
5
SoBo: Something Borrowed
SoBo: Something Borrowed
SoBo: Something Borrowed
Borrow. Lend. Keep track.
Free

Easily lend and borrow physical items with people in your community. Track every step of the loan process, from agreement to return, with automatic reminders and reviews to build trust. Save money by borrowing instead of buying and put your unused items to work.

Permanent loan ledgerAutomatic return remindersIn-app chat for loans
🌟 Lifestyle
(1)
free
6
Money Borrowing: Cash Advance
Money Borrowing: Cash Advance
Money Borrowing: Cash Advance
Payday Loans for Bad Credit
Free
💰 Finance
(0)
7
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Helping you borrow, better.
Free

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.

Check rate without credit score impactFast approvals and fundingPersonal loans up to $75,000
💰 Finance
(37K)
free
8
LendingPoint
LendingPoint
LendingPoint
Loan Management
Free

Manage your personal loans and financial goals with this comprehensive finance app. Check loan rates, make payments, and update your information seamlessly. It's designed to help you achieve financial well-being.

Check personal loan ratesManage existing loansMake loan payments
💰 Finance
(3.2K)
free
9
Cash Advance & Borrow Guide
Cash Advance & Borrow Guide
Cash Advance & Borrow Guide
Money, Loan Terms & APR Tools
Free

This app provides educational resources and tools to help users understand borrowing money, compare loan terms, and manage their credit health. It offers articles on various loan types, an APR comparison tool, and a loan calculator for informed financial planning.

Educational articles on loan typesAPR comparison toolLoan calculator for payment estimation
💰 Finance
(48)
free
10
Lending - Track money & items
Lending - Track money & items
Lending - Track money & items
Borrowing & lending manager.
Free

Easily manage all your borrowed and lent items and money. Keep a detailed record of transactions, including currency support and returned items.

Track borrowed itemsTrack lent itemsTrack borrowed money
💰 Finance
(22)
free
11
Cash Advance - Flash Advance
Cash Advance - Flash Advance
Cash Advance - Flash Advance
Extra Funds, Less Stress
Free

Access quick cash advances and personal loans up to $1,100 with a few taps. The app matches you with tailored offers from lenders, allowing you to preview terms and rates for free without pressure or a hard credit pull.

Cash advances up to $1,100Personal loan offersInstant matching with lenders
💰 Finance
(5)
free
12
OneMain
OneMain
OneMain
Personal & Auto Loans
Free

Manage your personal or auto loan on the go. Make payments, set up automatic payments, and receive paperless statements and alerts. You can also monitor your credit score and track your spending to potentially save money.

Make loan paymentsSet up AutoPaySign up for paperless statements
💰 Finance
(84K)
free
13
LendingTree Spring
LendingTree Spring
LendingTree Spring
Loans, credit score and more
Free

Manage your finances with free credit score updates, personalized saving insights, and easy comparison of loans and credit cards. Stay protected with credit monitoring alerts and expert advice to improve your financial health.

Free credit score updates and alertsPersonalized saving insightsLoan and credit card shopping
💰 Finance
(38K)
free with in-app purchases
14
LendWise - Lending Tracker
LendWise - Lending Tracker
LendWise - Lending Tracker
Track money lent & borrowed
Free

Easily track money lent and borrowed with this app. It helps you manage all personal lending and borrowing records, including interest calculations and due date reminders. Enjoy secure, encrypted backups for your financial data.

Track money lentTrack money borrowedInterest calculation
💰 Finance
(3)
free
15
Nexo: Crypto Wealth Platform
Nexo: Crypto Wealth Platform
Nexo: Crypto Wealth Platform
Borrow, еarn & еxchange crypto
Free

This platform allows users to fund their accounts, buy and sell a wide range of digital assets, and earn interest on their holdings. It also offers the ability to borrow funds using crypto as collateral and provides a loyalty program for enhanced benefits.

Buy, sell, and swap digital assetsEarn compound daily interestBorrow funds using crypto as collateral
💰 Finance
(1.8K)
freemium
16
eLendly
eLendly
eLendly
Gift, Lend, Borrow and Invest
Free

Manage your financial life by automating subscriptions, lending and borrowing with friends, and tracking your overall finances. This app provides a centralized platform for personal financial management.

Automate subscriptionsLend and borrow with friendsTrack finances
💰 Finance
(49)
free
17
P2Vest - Loan & Insurance App
P2Vest - Loan & Insurance App
P2Vest - Loan & Insurance App
P2P Lending | Buy Insurance
Free

Connects borrowers seeking loans directly with lenders, streamlining the traditional lending process. Users can apply for loans, receive funds, or invest by lending to others. Offers flexible repayment terms and requires KYC for increased loan limits.

Direct borrower-lender connectionLoan application and disbursementLending investment opportunities
💰 Finance
(165)
free
18
Borrow
Borrow
Borrow
Track lent and borrowed items
Free

Easily track items you lend to or borrow from friends. Features over thirty categories and automatic reminders to ensure timely returns. Syncs data across all devices for convenient access.

Track lent and borrowed itemsOver 30 predefined categoriesAutomatic reminders
🌟 Lifestyle
(11)
free with in-app purchases
19
Instant Cash Advance - Zora
Instant Cash Advance - Zora
Instant Cash Advance - Zora
Borrow Money | No Credit Check
Free
🌟 Lifestyle
(0)
20
Together Loans
Together Loans
Together Loans
by Transform Credit Inc.
Free

This app offers a new approach to lending, providing loans based on trust rather than solely on credit history. It allows users to view their loan details, access statements, make secure payments, and apply to borrow more.

View loan detailsAccess statementsSecure payments
💰 Finance
(167)
free

FAQ about Lending Borrowing

What are the best lending borrowing apps for iPhone?
SoLo Funds: Lend & Borrow tops our lending borrowing apps ranking as of July 2026, with a 4.4-star average from 39K App Store ratings, and it's free to download.
Yes — 20 of the top lending borrowing apps we rank are free to download, including SoLo Funds: Lend & Borrow and Lenme: Investing and Borrowing.
SoLo Funds: Lend & Borrow shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 178+ lending borrowing apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
SoLo Funds is a community finance platform that allows members to borrow funds up to $625 without credit checks or to earn money by lending to other members. It also provides a banking solution and AI-powered financial advice to help users manage their money.
You can access funds by requesting a loan through the app. There are no credit checks required, and you can access up to $625. The app offers choice and control over your borrowing terms, with all loans having up to 90 days for repayment.