Best Lending Direct Apps

210+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated June 2026

Looking for free lending direct apps? 20 of our 210+ tracked titles are free to download β€” no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Lending Direct

Happen Bank#1

Happen Bank by LendingClub Corporation

Get more from your money
Editor's Choice
πŸ’° Finance
4.8😐(8.1K ratings)
Free
Happen Bank screenshot 1
Happen Bank screenshot 2
Happen Bank screenshot 3
Happen Bank screenshot 4
Happen Bank screenshot 5
Happen Bank screenshot 6

Access a comprehensive mobile banking experience with the new app that allows you to manage accounts, loans, credit, and more all in one place. Seamlessly handle transactions, earn cashback, and enjoy personalized financial recommendations for better money management.

What We Love

  • πŸš€ Easy to use
  • πŸš€ Convenient banking
  • πŸš€ Seamless experience
  • πŸš€ Intuitive interface

Room to Improve

  • πŸ› Buggy app
  • πŸ› Unreliable app performance
  • πŸ› Slow transaction processing
LendingTree Spring#2

LendingTree Spring by LendingTree

Loans, credit score and more
Strong Contender
πŸ’° Finance
4.8😐(38K ratings)
FreeAds
LendingTree Spring screenshot 1
LendingTree Spring screenshot 2
LendingTree Spring screenshot 3
LendingTree Spring screenshot 4
LendingTree Spring screenshot 5
LendingTree Spring screenshot 6

Spring into a world of smart money habits with free credit score updates, personalized saving insights, easy loan and credit card shopping, and more with this application. Unlock your credit score potential, get personalized recommendations, shop for loans and credit cards, and stay protected with instant credit monitoring alerts.

What We Love

  • πŸ’― Excellent credit monitoring and reporting
  • πŸ’³ Helpful in getting approved for credit cards and loans
  • πŸ“ˆ Useful for improving and tracking credit score
  • πŸ’° Provides valuable financial insights and savings opportunities

Room to Improve

  • πŸ› Login and account verification issues
  • πŸ”„ Inaccurate or outdated account and credit information
  • πŸ“ž Excessive sales calls and spam after signing up
Kiva - Lend for Good#3

Kiva - Lend for Good by Kiva Microfunds

Lend $25 and change a life
Worth Considering
🌐 Social Networking
4.9😊(2.3K ratings)
FreeAds
Kiva - Lend for Good screenshot 1
Kiva - Lend for Good screenshot 2
Kiva - Lend for Good screenshot 3
Kiva - Lend for Good screenshot 4

An application that allows you to lend as little as $25 to financially underserved individuals worldwide, empowering them to start businesses, pay for education, invest in equipment, and more. Join a community of millions supporting borrowers in over 90 countries, creating a ripple effect of positive impact. Loan on Kiva for a powerful way to create economic and social good.

What We Love

  • πŸ’‘ Great idea!
  • πŸ‘ Changing lives around the world
  • πŸ‘ Practical help to others
  • πŸ‘ Easy to use

Room to Improve

  • πŸ› Withdrawing your money is difficult
  • πŸ’° Each loan is $25 which is great but then they force you to pay an additional $5 for Kiva to pocket. That's 20% they pocket!
  • πŸ› Software bug

More Lending Direct apps to explore

4
Lendbox | P2P Lending
Lendbox | P2P Lending
Lendbox | P2P Lending
P2P Lending in India
Free

This peer-to-peer lending platform connects lenders with creditworthy borrowers, offering a secure way to earn higher returns on investments. By lending money online, you can diversify your risk and benefit from a paperless KYC process, rigorous borrower screening, and end-to-end recovery support.

πŸ’° Finance
(0)
5
OneMain
OneMain
OneMain
Personal & Auto Loans
Free

A personal finance management app that helps users track expenses, set budgets, and analyze spending patterns. Take control of your finances today and start making better financial decisions.

πŸ’° Finance
(77K)
6
Bright Lending
Bright Lending
Bright Lending
by BWDS, LLC
Free

Access and manage your Bright Lending account effortlessly with our mobile app. View balances, make payments, access documents, and get support 24/7 through live chat. Download now for convenient account management.

πŸ’° Finance
(71)
7
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Beem: Cash Advance & Banking
Bank, Budget & Build Credit
Free

Get instant access to verified bank deposits and emergency funds with Beem. Subscribe for as low as $2.47/month to access features like early withdrawals, job loss protection, and more. Say goodbye to traditional cash advance apps and payday loans.

πŸ’° Finance
(30K)
8
P2Vest - Loan & Insurance App
P2Vest - Loan & Insurance App
P2Vest - Loan & Insurance App
P2P Lending | Buy Insurance
Free

Experience a convenient and user-friendly loan management app that simplifies the process of managing your loans, tracking payments, and staying on top of your financial commitments. Take control of your finances with P2Vest – download now!

πŸ’° Finance
(165)
9
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
Instant Loan App For Fast Cash
Free

Get quick online loans easily with just a few taps using this efficient app. Instantly access the funds you need, hassle-free – try it now!

πŸ’° Finance
(14K)
10
Halan: Lending, BNPL, Payments
Halan: Lending, BNPL, Payments
Halan: Lending, BNPL, Payments
Get a loan, pay bills and more
Free

An all-in-one financial services app offering BNPL, lending, payments, and online shopping solutions. Easily access funding for small businesses, purchase on installment, pay bills, and send/receive money. Download now and enjoy a seamless financial experience with Halan!

πŸ’° Finance
(2.3K)
11
eLendly
eLendly
eLendly
Gift, Lend, Borrow and Invest
Free

Automate your subscriptions, lend and borrow from friends, and track your finances with this all-in-one financial management tool. Take control of your money and simplify your financial relationships with others.

πŸ’° Finance
(49)
12
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $400 Before Payday
Free

An app offering instant cash advances up to $200 without late fees, credit checks, or interest charges. Users can earn points, win daily cash prizes, and access innovative budgeting tools. Data is securely stored and anonymized, providing financial services without fees or charges. Unlock perks by opting into the Truth in Data agreement. Access money you've already earned by validating your employment. Contact info@joinklover.com for questions.

πŸ’° Finance
(350K)
13
NBT Bank Home Lending
NBT Bank Home Lending
NBT Bank Home Lending
by NBT Bancorp, Inc.
Free
πŸ’° Finance
(1)
14
Laurel Road
Laurel Road
Laurel Road
Banking & Lending
Free

A modern banking app that seamlessly integrates all your financial needs, from managing accounts to tracking expenses and setting financial goals. Take control of your money with ease and convenience.

πŸ’° Finance
(3.1K)
15
SoLo Funds: Lend & Borrow
SoLo Funds: Lend & Borrow
SoLo Funds: Lend & Borrow
Loans On Your Terms
Free

Access fast and secure lending with SoLo Funds. Borrow or lend money directly from your peers with ease using this innovative platform. Join SoLo Funds today for hassle-free financial transactions.

πŸ’° Finance
(38K)
16
Avant
Avant
Avant
by Avant, LLC (US)
Free
πŸ’° Finance
(102K)
17
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Your personal money app
Free

Get your personal money assistant with a powerful financial app offering insights on your accounts and credit, free credit monitoring, access to credit card and loan offers, net worth tracking, credit building, early paycheck access, drive score monitoring, and more. Download the app to start optimizing your finances today.

πŸ’° Finance
(7.7M)
18
Cornerstone Home Lending
Cornerstone Home Lending
Cornerstone Home Lending
by Cornerstone Capital Bank, SSB
Free

Manage your account with ease using our secure and simple mobile app. Make payments, access escrow details, view statements, access educational resources, and communicate with our Customer Care team.

πŸ’° Finance
(4.3K)
19
Current - Mobile Banking
Current - Mobile Banking
Current - Mobile Banking
Save, spend & get paid fasterΒ²
Free

A cutting-edge banking application revolutionizing financial management. Seamlessly integrating savings and spending tools for a futuristic banking experience. Join now for a glimpse into the future of banking.

πŸ’° Finance
(195K)
20
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Manage multiple debts easily with the Bright App's AI-powered features. Consolidate debts, build credit, create personalized money management plans, and access expert finance guidance, all for less than $10 a month. Join over 1 million satisfied customers and experience the benefits today!

πŸ’° Finance
(248K)