Best Lending Club Apps

236+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 2026

Every iPhone needs a few good lending club apps. We benchmark 236+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Lending Club Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Happen BankHappen BankFree4.8โ˜… (8.9K)NoNoSep 2026
2Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9โ˜… (43K)NoNoSep 2026
3SoLo Funds: Lend & BorrowSoLo Funds: Lend & BorrowFree4.4โ˜… (40K)YesNoSep 2026
4LendingTreeLendingTreeFree4.8โ˜… (38K)NoNoSep 2026
5Lenme: Borrowing and LendingLenme: Borrowing and LendingFree4.5โ˜… (88K)YesYesSep 2026
6Together LoansTogether LoansFree4.3โ˜… (388)NoNoSep 2026
7MessengerMessengerFree4.7โ˜… (14M)YesYesSep 2026
8Cash Advance - CLS MoneyCash Advance - CLS MoneyFreeโ€”NoNoJul 2026

Top Picks for Lending Club

Happen Bank#1

Happen Bank by Happen, Inc

Formerly LendingClub
Editor's Choice
๐Ÿ’ฐ Finance
4.8๐Ÿ˜(8.9K ratings)
Free
Happen Bank screenshot 1
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Happen Bank screenshot 3
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Happen Bank screenshot 5
Happen Bank screenshot 6

Manage your checking, savings, personal loans, and credit report all in one place. This app offers features to help you save, borrow, and track your financial health with tools like a credit simulator and free credit score monitoring.

What We Love

  • ๐Ÿš€ Easy to use
  • ๐Ÿš€ Convenient banking
  • ๐Ÿš€ Seamless experience
  • ๐Ÿš€ Intuitive interface
  • ๐Ÿ”’ Secure banking
  • ๐Ÿ’ก Competitive interest rates
  • ๐Ÿ’ก Helpful customer service

Room to Improve

  • ๐Ÿ› Buggy app
  • ๐Ÿ› Unreliable app performance
  • ๐Ÿ› Slow transaction processing
  • ๐Ÿ› Inconsistent user experience
  • ๐Ÿ› Difficult to navigate
  • ๐Ÿ› Lacking key features
Upstart: Personal Loans + More#2

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

Money for moments that matter
Strong Contender
๐Ÿ’ฐ Finance
4.9๐Ÿ˜ž(43K ratings)
Free
#80in Finance
Upstart: Personal Loans + More screenshot 1
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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

  • ๐Ÿ‘ Easy to use
  • ๐Ÿ‘ Convenient app
  • ๐Ÿ‘ Quick loan approval
  • ๐Ÿš€ Fast loan disbursement

Room to Improve

  • ๐Ÿ› Login issues
  • ๐Ÿ’ฐ High interest rates
  • ๐Ÿ•ฐ๏ธ Slow payment processing
  • ๐Ÿค” Unclear approval criteria
  • ๐Ÿคจ Unethical business practices
SoLo Funds: Lend & Borrow#3

SoLo Funds: Lend & Borrow by SoLo Funds Inc.

Loans On Your Terms
Worth Considering
๐Ÿ’ฐ Finance
4.4๐Ÿ˜ž(40K ratings)
FreeAds
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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

  • ๐Ÿ’ฐ Helpful for emergencies
  • ๐Ÿค Community-driven lending platform
  • โšก Quick loan funding
  • ๐Ÿ•ฐ๏ธ Flexible repayment periods
  • ๐Ÿ†™ Ability to build credit score

Room to Improve

  • ๐Ÿคทโ€โ™‚๏ธ Inconsistent customer support
  • ๐Ÿคฏ Unclear fees and policies
  • ๐Ÿค• High risk of loan defaults
  • ๐Ÿคฌ Lack of lender protection
  • ๐Ÿ“‰ Declining lender satisfaction

More Lending Club apps to explore

FAQ about Lending Club

What are the best lending club apps for iPhone?
Happen Bank tops our lending club apps ranking as of August 2026, with a 4.8-star average from 8.9K App Store ratings, and it's free to download.
Yes โ€” 20 of the top lending club apps we rank are free to download, including Happen Bank and Upstart: Personal Loans + More.
Happen Bank has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 236+ lending club apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
The app allows you to manage your checking and savings accounts, track personal loan progress, and monitor your credit report and score for free. You can also move money between accounts, deposit checks, and lock your debit card.
It provides a central place to view all your financial accounts and loans. You can also use features like a credit simulator to understand how actions might impact your score and set up direct deposit for potential cash back rewards.

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