With an average user rating of 4.7★, the lending pay category is one of the App Store's strongest. Browse all 244+ apps we track, sorted so the most loved ones surface first.
Access quick cash loans and a virtual Mastercard for convenient online and in-store purchases. Enjoy flexible repayment terms and interest-free billing cycles for smarter financial management.
Rent and lend fashion items within your local community. This peer-to-peer marketplace makes fashion more affordable, circular, and accessible, offering same-day courier delivery for last-minute outfits and promoting sustainable shopping.
Mocasa: Pay Later & Quick Loan tops our lending pay apps ranking as of October 2026, with a 4.5-star average from 143 App Store ratings, and it's free to download.
Are there free lending pay apps for iPhone?
Yes — 20 of the top lending pay apps we rank are free to download, including Mocasa: Pay Later & Quick Loan and Volo - Lend & Borrow.
Does Mocasa: Pay Later & Quick Loan have ads or in-app purchases?
Mocasa: Pay Later & Quick Loan shows ads and has no in-app purchases, according to its App Store listing as of October 2026.
How many lending pay apps are on the App Store?
We track 244+ lending pay apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.