Best Peer To Peer Loan Apps

236+ iOS apps curated and reviewed

4.2 avg rating
18 free apps
Updated October 2026

Together Loans is the household name in peer to peer loan, but it's far from the only option. We track 236+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Peer To Peer Loan Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Together LoansTogether LoansFree4.2★ (411)NoNoOct 2026
2SoLo Funds: Lend, Borrow, BankSoLo Funds: Lend, Borrow, BankFree4.4★ (42K)YesNoNov 2026
3Keystone: Instant Cash AdvanceKeystone: Instant Cash AdvanceFree4.7★ (1K)NoNoOct 2026
4PeerCashPeerCashFree—NoYesMay 2026
5LoanrLoanrFree3.2★ (69)NoNoOct 2026
6LendPal - Borrow & Lend Money + Items to FriendsLendPal - Borrow & Lend Money + Items to FriendsFree4.1★ (657)NoNoOct 2026
7Volo - Lend & BorrowVolo - Lend & BorrowFree——NoAug 2026
8MOOCH Lend to a FriendMOOCH Lend to a FriendFree—YesYesMay 2026

Top Picks for Peer To Peer Loan

4.2(411 ratings)
Free
Together Loans screenshot 1
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This app offers personal loans based on trust rather than solely on credit history. It allows users to apply for loans, view statements, make payments, and access support in real-time. Users can also top up existing loans or borrow more.

SoLo Funds: Lend, Borrow, Bank#2

SoLo Funds: Lend, Borrow, Bank by SoLo Funds Inc.

Making Gains on Your Own Terms
Strong Contender
💰 Finance
4.4😞(42K ratings)
FreeAds
SoLo Funds: Lend, Borrow, Bank screenshot 1
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Borrow up to $650 without a credit check, setting your own repayment terms. Lend to other members to earn returns, or use the free SoLo Wallet for banking and payments. Features an AI financial co-pilot for personalized advice.

What We Love

  • 💰 Helpful for emergencies
  • 🤝 Community-driven lending platform
  • ⚡ Quick loan funding
  • 🕰️ Flexible repayment periods
  • 🆙 Ability to build credit score

Room to Improve

  • 🤷‍♂️ Inconsistent customer support
  • 🤯 Unclear fees and policies
  • 🤕 High risk of loan defaults
  • 🤬 Lack of lender protection
  • 📉 Declining lender satisfaction
Keystone: Instant Cash Advance#3

Keystone: Instant Cash Advance by Keystone Cash LLC

Quick Cash, No Credit Check
Worth Considering
💰 Finance
4.7(1K ratings)
Free
#70in Finance
Keystone: Instant Cash Advance screenshot 1
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Explore flexible cash options up to $1,500 to cover bills, emergencies, or short-term gaps before payday. Compare key details from third-party providers in one convenient app without any obligation to accept an offer.

More Peer To Peer Loan apps to explore

FAQ about Peer To Peer Loan

What are the best peer to peer loan apps for iPhone?
Together Loans tops our peer to peer loan apps ranking as of October 2026, with a 4.2-star average from 411 App Store ratings, and it's free to download.
Yes — 18 of the top peer to peer loan apps we rank are free to download, including Together Loans and SoLo Funds: Lend, Borrow, Bank.
Together Loans has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 236+ peer to peer loan apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.