Best One Pay Loans Apps

245+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

OnePay is the household name in one pay loans, but it's far from the only option. We track 245+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top One Pay Loans Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OnePay – Mobile BankingOnePay – Mobile BankingFree4.9★ (424K)NoNoSep 2026
2Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9★ (41K)NoNoSep 2026
3B9: Cash AdvanceB9: Cash AdvanceFree4.5★ (22K)YesNoSep 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026
5Capital One MobileCapital One MobileFree4.8★ (11M)NoNoSep 2026
6Fast Payday LoansFast Payday LoansFree4.7★ (851)NoNoSep 2026
7DailyPay On-Demand PayDailyPay On-Demand PayFree4.8★ (487K)NoNoSep 2026
8iMobile: Loan, Cards & BankingiMobile: Loan, Cards & BankingFree4.8★ (67K)NoNoSep 2026

Top Picks for One Pay Loans

OnePay – Mobile Banking#1

OnePay – Mobile Banking by One Finance, Inc.

Bank. Borrow. Build Credit.
Editor's Choice
💰 Finance
4.9😞(424K ratings)
Free
#10in Finance
OnePay – Mobile Banking screenshot 1
OnePay – Mobile Banking screenshot 2
OnePay – Mobile Banking screenshot 3
OnePay – Mobile Banking screenshot 4
OnePay – Mobile Banking screenshot 5
OnePay – Mobile Banking screenshot 6

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

What We Love

  • 🚀 Efficient banking features
  • 🔒 Secure transactions
  • 👍 Intuitive user interface
  • 💡 Useful budgeting tools

Room to Improve

  • 🐛 Unreliable app performance
  • 🤯 Frustrating account changes
  • 🤔 Lack of transparency
Upstart: Personal Loans + More#2

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

Money for moments that matter
Strong Contender
💰 Finance
4.9😞(41K ratings)
Free
#84in Finance
Upstart: Personal Loans + More screenshot 1
Upstart: Personal Loans + More screenshot 2
Upstart: Personal Loans + More screenshot 3
Upstart: Personal Loans + More screenshot 4
Upstart: Personal Loans + More screenshot 5
Upstart: Personal Loans + More screenshot 6

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

  • 👍 Easy to use
  • 👍 Convenient app
  • 👍 Quick loan approval
  • 🚀 Fast loan disbursement

Room to Improve

  • 🐛 Login issues
  • 💰 High interest rates
  • 🕰️ Slow payment processing
B9: Cash Advance#3

B9: Cash Advance by B9, Inc.

No Credit Check Payday Advance
Worth Considering
💰 Finance
4.5😞(22K ratings)
FreeAds
B9: Cash Advance screenshot 1
B9: Cash Advance screenshot 2
B9: Cash Advance screenshot 3
B9: Cash Advance screenshot 4
B9: Cash Advance screenshot 5
B9: Cash Advance screenshot 6

Access your paycheck early with cash advances that grow with your direct deposits. This banking app offers simple financial tools, rewards, and opportunities to earn extra money directly from your phone.

What We Love

  • 🚀 Early paycheck access
  • 💰 Cash advances
  • 💳 Debit card with cashback
  • 👍 Easy to use

Room to Improve

  • 💸 High fees for transfers
  • 🔒 Difficulty closing account
  • 🤔 Unclear advance repayment process

More One Pay Loans apps to explore

FAQ about One Pay Loans

What are the best one pay loans apps for iPhone?
OnePay – Mobile Banking tops our one pay loans apps ranking as of July 2026, with a 4.9-star average from 424K App Store ratings, and it's free to download.
Yes — 20 of the top one pay loans apps we rank are free to download, including OnePay – Mobile Banking and Upstart: Personal Loans + More.
OnePay – Mobile Banking has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 245+ one pay loans apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
OnePay is a financial technology company offering a mobile banking solution. It provides services such as early pay, rewards programs, high-yield savings accounts, a cash back credit card, affordable wireless plans, and a credit builder loan. You can also use it for buy now, pay later purchases.
Key features include earning OnePay Points on purchases, early access to your paycheck, high-yield savings with interest, a cash rewards credit card with unlimited cash back, affordable wireless plans, a credit builder loan with no fees, and buy now, pay later options at Walmart.