Best Modal Rakyat Apps

189+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated May 2026

Every iPhone needs a few good modal rakyat apps. We benchmark 189+ 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 Modal Rakyat Apps (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1AsetKu - Digital LendingAsetKu - Digital LendingFree4.6★ (17)NoNoJul 2026
2Dana SyariahDana SyariahFree3.3★ (3)NoNoJul 2026
3Hundy - Money When You Need ItHundy - Money When You Need ItFree3.3★ (1.6K)NoMay 2026
4SoLo Funds: Lend & BorrowSoLo Funds: Lend & BorrowFree4.4★ (39K)YesNoJul 2026
5EMKAN FinanceEMKAN FinanceFree4.4★ (8.2K)YesNoJul 2026
6P2Vest - Loan & Insurance AppP2Vest - Loan & Insurance AppFree3.6★ (165)NoNoJul 2026
7Payday Cash Advance Loans: MAFPayday Cash Advance Loans: MAFFree4.6★ (105)NoNoMay 2026
8Money Borrowing - Loan AppMoney Borrowing - Loan AppFreeNoNoJun 2026

Top Picks for Modal Rakyat

AsetKu - Digital Lending#1

AsetKu - Digital Lending by PT. PINTAR INOVASI DIGITAL

Licensed and supervised by OJK
Editor's Choice
💰 Finance
4.6(17 ratings)
Free
AsetKu - Digital Lending screenshot 1
AsetKu - Digital Lending screenshot 2
AsetKu - Digital Lending screenshot 3

This platform offers secure, digital lending services with flexible loan options and transparent costs. It provides a user-friendly experience for borrowing money anytime, anywhere, without requiring collateral. All operations are licensed and supervised by OJK.

Dana Syariah#2

Dana Syariah by PT Danasyariah Indonesia

Sharia Fintech Lending
Strong Contender
💰 Finance
3.3(3 ratings)
Free
Dana Syariah screenshot 1
Dana Syariah screenshot 2
Dana Syariah screenshot 3

Access Sharia-compliant financing information and services through a mobile app. Register, invest, and get details on Islamic financing for businesses. Offers P2P Sharia financing for property, invoice, and MSME sectors.

Hundy - Money When You Need It#3

Hundy - Money When You Need It by Hundy Inc

Zero fee, P2P loan replacement
Worth Considering
💰 Finance
3.3😞(1.6K ratings)
FreeIn-App Purchases
Hundy - Money When You Need It screenshot 1
Hundy - Money When You Need It screenshot 2
Hundy - Money When You Need It screenshot 3
Hundy - Money When You Need It screenshot 4
Hundy - Money When You Need It screenshot 5
Hundy - Money When You Need It screenshot 6

Access quick cash advances from your community without lengthy credit checks. Get approved in minutes for amounts between $25 and $100 to cover immediate expenses like rent or groceries. Repay on a schedule that works for you, with options for extensions and installment plans.

What We Love

  • 💖 Amazing service
  • 👍 Fast and easy
  • 🤝 Friendly staff

Room to Improve

  • 🚫 Only available in certain states
  • 🔒 Requires social security number
  • 🤔 Unclear eligibility criteria

More Modal Rakyat apps to explore

4
SoLo Funds: Lend & Borrow
SoLo Funds: Lend & Borrow
SoLo Funds: Lend & Borrow
Loans On Your Terms
Free

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.

Access up to $625 without credit checksEarn money by funding others' requestsAI-powered financial co-pilot (SoLo IQ)
💰 Finance
(39K)
free with in-app purchases
5
EMKAN Finance
EMKAN Finance
EMKAN Finance
EMKAN Finance
Free

This app offers a streamlined digital process for obtaining personal financing. Users can apply, get approved, and receive funds quickly and easily, all within the application, eliminating the need for traditional methods.

End-to-end digital financing experienceInstant approval for eligible applicantsEasy requirements, no guarantor needed
💰 Finance
(8.2K)
free with in-app purchases
6
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
7
Payday Cash Advance Loans: MAF
Payday Cash Advance Loans: MAF
Payday Cash Advance Loans: MAF
Borrow Money: Instant Approval
Free

This platform helps users discover and compare cash advance and personal loan offers from various providers. It simplifies the research process by presenting options in one place, allowing users to review rates, terms, and repayment details before making informed financial decisions.

Compare loan offers from multiple providersPersonalized loan matchesLoan calculator for payment estimation
💰 Finance
(105)
free
8
Money Borrowing - Loan App
Money Borrowing - Loan App
Money Borrowing - Loan App
Easy Advance & Quick Cash 24/7
Free
💼 Business
(0)
9
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
(64K)
free
10
Borrow Money Instantly Easy ㅤ
Borrow Money Instantly Easy ㅤ
Borrow Money Instantly Easy ㅤ
Cash Loan Instant Approval
Free
💰 Finance
(0)
11
DANA Dompet Digital Indonesia
DANA Dompet Digital Indonesia
DANA Dompet Digital Indonesia
Easy Topup, Send Money, QRIS
Free

This app facilitates cashless and card-less transactions, allowing users to scan QRIS codes, send money to various bank accounts, and top up e-wallet balances. It also supports saving bank cards for seamless payments and managing mobile recharges and bill payments securely.

QRIS scanning for paymentsSend money to bank accounts with no admin feesTop up DANA balance without admin fees
💰 Finance
(6.3K)
free
12
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
13
Kiva - Lend for Good
Kiva - Lend for Good
Kiva - Lend for Good
Lend $25 and change a life
Free

Support entrepreneurs and students globally by lending as little as $25. Fund microfinance loans and make an impact that can be re-lent repeatedly. Join a community dedicated to financial inclusion and empowering underserved individuals.

Lend as little as $25Support entrepreneurs and studentsRe-lend funds for exponential impact
🌐 Social Networking
(2.4K)
free with in-app purchases
14
Lenme: Investing and Borrowing
Lenme: Investing and Borrowing
Lenme: Investing and Borrowing
Borrow, Lend & Grow!
Free

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.

Instant cash advances up to $200Personal loans from $50 to $5,000Crypto-backed loans up to $10,000
💰 Finance
(73K)
subscription
15
İşCep
İşCep
İşCep
Mobile Banking - İşbank
Free

This mobile banking application provides a comprehensive suite of features for personal and corporate customers. It allows for quick PIN definition, easy banking transactions with English support, and a clear overview of financial status. Users can also withdraw cash via QR code, apply for loans remotely, and locate nearby branches and ATMs.

Instant PIN definitionEnglish language support for transactionsFinancial status overview
💰 Finance
(25K)
free with in-app purchases
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
tamam | money won’t stop you
tamam | money won’t stop you
tamam | money won’t stop you
Instant Digital Financing
Free

Access digital financing of up to SAR 50,000 with instant approval and flexible repayment. This Sharia-compliant service offers secure, fast fund transfers within 24 hours, supported by 24/7 customer service.

Up to SAR 50,000 financingInstant approvalFlexible repayment options
💰 Finance
(362)
ad-supported
18
PayMe - Personal loan app
PayMe - Personal loan app
PayMe - Personal loan app
Instant personal loan app
Free

This app provides instant personal loans for salaried individuals in India, with amounts ranging from Rs. 2,000 to Rs. 2 Lakh. It offers a 100% paperless process, flexible repayment options, and quick approvals, with funds disbursed directly to your bank account.

100% paperless processLoans up to Rs. 2 LakhFlexible repayment options
💰 Finance
(31)
free with in-app purchases
19
Cash Advance: TJ Payday Loans
Cash Advance: TJ Payday Loans
Cash Advance: TJ Payday Loans
Get Funds Fast. No Interest
Free
💰 Finance
(0)
20
CUB Vietnam
CUB Vietnam
CUB Vietnam
Fast & Easy Loans Online
Free

Access fast, convenient, and reliable online loans with flexible terms and attractive interest rates. Apply using just your Citizen ID and receive instant disbursement. Secure your financial needs with advanced data protection features.

100% online consumer loan applicationQuick loan approvalFast loan disbursement
💰 Finance
(454)
free

FAQ about Modal Rakyat

What are the best modal rakyat apps for iPhone?
AsetKu - Digital Lending tops our modal rakyat apps ranking as of May 2026, with a 4.6-star average from 17 App Store ratings, and it's free to download.
Yes — 20 of the top modal rakyat apps we rank are free to download, including AsetKu - Digital Lending and Dana Syariah.
AsetKu - Digital Lending has no ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 189+ modal rakyat apps on the iOS App Store as of May 2026, ranked by rating, recency, and analysis of real user reviews.
AsetKu is a digital lending platform licensed and supervised by OJK (Financial Services Authority) in Indonesia. It offers secure and user-friendly online services for borrowing money, with loan amounts ranging from Rp 150,000 to Rp 15,000,000.
Key features include collateral-free loans, flexible repayment terms from 91 to 365 days, and a maximum daily interest rate of 0.3%. The platform boasts a 100% digital and simple verification process, with loans disbursed directly to your bank account upon approval.