Best P2P Loan Apps

122+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated August 2026

Looking for free p2p loan apps? 20 of our 122+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top P2P Loan Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Together LoansTogether LoansFree4.2★ (366)NoNoAug 2026
2Lenme: Borrowing and LendingLenme: Borrowing and LendingFree4.5★ (80K)YesYesAug 2026
3LendPal - Borrow & Lend Money + Items to FriendsLendPal - Borrow & Lend Money + Items to FriendsFree4.1★ (614)NoNoAug 2026
4SoLo Funds: Lend & BorrowSoLo Funds: Lend & BorrowFree4.4★ (40K)YesNoAug 2026
5LoanrLoanrFree3.0★ (45)NoNoAug 2026
6Lendee AppLendee AppFree3.3★ (99)NoNoJul 2026
7eLendlyeLendlyFree2.2★ (49)NoNoAug 2026
8Possible: Fast Cash & CreditPossible: Fast Cash & CreditFree4.8★ (134K)NoNoAug 2026

Top Picks for P2P Loan

Together Loans#1

Together Loans by Transform Credit

Editor's Choice
💰 Finance
4.2(366 ratings)
Free
Together Loans screenshot 1
Together Loans screenshot 2
Together Loans screenshot 3
Together Loans screenshot 4

This app offers a new approach to lending, providing loans based on trust rather than solely on credit history. It allows users to view their loan details, access statements, make secure payments, and apply to borrow more.

Lenme: Borrowing and Lending#2

Lenme: Borrowing and Lending by Lenme Inc.

Quick Cash Advances and Loans
Strong Contender
💰 Finance
4.5😞(80K ratings)
FreeAdsIn-App Purchases
#8in Finance
Lenme: Borrowing and Lending screenshot 1
Lenme: Borrowing and Lending screenshot 2
Lenme: Borrowing and Lending screenshot 3
Lenme: Borrowing and Lending screenshot 4
Lenme: Borrowing and Lending screenshot 5
Lenme: Borrowing and Lending screenshot 6

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.

What We Love

  • 🚀 Smooth app experience
  • 👍 User-friendly interface
  • 💡 Innovative peer-to-peer lending model
  • 🤝 Helpful when in financial need

Room to Improve

  • 🐛 Frequent app crashes
  • 🕰️ Slow customer support response times
  • 💳 Issues with bank account linking
4.1😐(614 ratings)
Free
LendPal - Borrow & Lend Money + Items to Friends screenshot 1
LendPal - Borrow & Lend Money + Items to Friends screenshot 2
LendPal - Borrow & Lend Money + Items to Friends screenshot 3
LendPal - Borrow & Lend Money + Items to Friends screenshot 4

Easily track money and items lent or borrowed among friends, family, and roommates. Set reminders to ensure nothing is forgotten and settle debts with a simple swipe.

What We Love

  • 👍 Easy to use
  • 📋 Helps keep track of lending/borrowing
  • 🔍 Simple and straightforward interface
  • 🔔 Useful reminder feature

Room to Improve

  • 🐛 Crashes and freezes
  • 🔍 Limited functionality (no partial payments, editing, etc.)
  • 💬 Annoying rating prompts

More P2P Loan 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
(40K)
free with in-app purchases
5
Loanr
Loanr
Loanr
Secured collateral loans!
Free

This peer-to-peer lending platform connects borrowers and lenders using collateral for secured loans. Borrowers set terms and offer assets, while lenders hold the collateral until repayment. It offers an alternative to traditional loans without collection agencies.

Peer-to-peer lendingSecured collateral loansBorrower sets repayment terms
💼 Business
(45)
free
6
Lendee App
Lendee App
Lendee App
by Lendee App
Free

Access immediate financial assistance for unexpected expenses through a secure peer-to-peer platform. Connect with verified supporters for quick cash advances and choose flexible repayment options with transparent fees.

Instant cash advance requestsConnect with verified supportersFlexible repayment plans
💰 Finance
(99)
free with in-app purchases
7
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
8
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Borrow money, loans, advances
Free

Access quick cash advances and build your credit history with a loan that offers no late fees and flexible repayment options. Borrow up to $500 instantly, even with bad or no credit, and receive funds directly to your bank account.

Borrow up to $500 instantlyNo late or penalty feesPay over time in 4 installments
💰 Finance
(134K)
free with in-app purchases
9
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
10
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Money for moments that matter
Free

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.

Check rate without credit score impactFast approvals and fundingPersonal loans up to $75,000
💰 Finance
(40K)
free
11
Lendbox | P2P Lending
Lendbox | P2P Lending
Lendbox | P2P Lending
P2P Lending in India
Free

Connect with borrowers and earn higher returns by lending money online. This platform offers a paperless process with rigorous borrower screening and end-to-end recovery support.

Lend money online to borrowersEarn higher than average returnsPaperless KYC & Verification
💰 Finance
(0)
free
12
BLender Finance
BLender Finance
BLender Finance
The new way to Finance
Free
💰 Finance
(0)
13
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Instant Cash & Expense Tracker
Free

Access instant cash advances up to $500 with no interest or credit checks. Build your credit score by reporting rent payments and track your financial health with budgeting tools. Take control of your finances with this all-in-one financial management app.

Instant cash advances up to $500No interest, no credit checkBuild credit by reporting rent
💰 Finance
(36K)
free
14
Credit Genie: Get Cash Advance
Credit Genie: Get Cash Advance
Credit Genie: Get Cash Advance
Fast money between paydays
Free

Access quick cash advances up to $150 without interest, credit checks, or late fees. Track spending, manage budgets, and receive overdraft alerts. The app also helps identify and cancel recurring subscriptions and offers access to credit and debt management tools.

Cash advance up to $150No interest or credit checkSpending tracking
💰 Finance
(119K)
free with in-app purchases
15
IndiaMoneyMart - P2P Lending
IndiaMoneyMart - P2P Lending
IndiaMoneyMart - P2P Lending
by Fair Vinimay Services Pvt Ltd
Free

This platform connects creditworthy small businesses seeking loans with lenders looking for attractive returns. It offers a secure, regulated marketplace with meticulous borrower evaluation and direct on-ground assessment to facilitate P2P lending.

Connects lenders and borrowersRBI Registered NBFC-P2PDirect on-ground borrower assessment
💰 Finance
(1)
free
16
Borrow & Cash Advance App
Borrow & Cash Advance App
Borrow & Cash Advance App
Loans Between Paydays Fast
Free
💰 Finance
(0)
17
Loan Express
Loan Express
Loan Express
by Financial Operating
Free

Manage your loan payments conveniently with real-time updates and scheduling. Track your payment history and communicate directly with your provider through a fast and easy interface.

Real-time payment processingPayment schedulingView payment history
💰 Finance
(5)
free
18
Lending Expert
Lending Expert
Lending Expert
by LENDING EXPERT GROUP LIMITED
Free
💰 Finance
(0)
19
VANSi - Cash Advance
VANSi - Cash Advance
VANSi - Cash Advance
Access Future Income
Free

Access your future income with this app that provides financial wellness insights and instant pay capabilities. It helps you avoid overdrafts by allowing transfers from future earnings and offers on-demand cash advances to bridge financial gaps. Maintain your membership to continuously access and grow these advance amounts.

Financial wellness insightsInstant pay and transfersAvoid overdrafts
💰 Finance
(25K)
free with in-app purchases
20
Mobanja
Mobanja
Mobanja
mobanja repayment app
Free
💼 Business
(0)

FAQ about P2P Loan

What are the best p2p loan apps for iPhone?
Together Loans tops our p2p loan apps ranking as of August 2026, with a 4.2-star average from 366 App Store ratings, and it's free to download.
Yes — 20 of the top p2p loan apps we rank are free to download, including Together Loans and Lenme: Borrowing and Lending.
Together Loans has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 122+ p2p loan apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Together Loans is a lender that offers a different approach to personal loans. Instead of relying solely on your credit history, they base loan decisions on trust and your ability to afford monthly payments. They aim to provide fair, simple, and transparent loans.
The app allows you to view your loan details like never before, quickly access your statement, and make payments simply and securely. You can also top up your existing loan and borrow more directly through the app.