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Best Peer To Peer Loan Apps

142+ iOS apps curated and reviewed

3.7 avg rating
19 free apps
Updated September 2026

SoLo Funds is the household name in peer to peer loan, but it's far from the only option. We track 142+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Peer To Peer Loan Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1SoLo Funds: Lend & BorrowSoLo Funds: Lend & BorrowFree4.4★ (41K)YesNoSep 2026
2Lenme: Borrowing and LendingLenme: Borrowing and LendingFree4.5★ (88K)YesYesSep 2026
3LoanrLoanrFree3.0★ (45)NoNoSep 2026
4Borrow & Cash Advance AppBorrow & Cash Advance AppFree—YesNoSep 2026
5eLendlyeLendlyFree2.2★ (49)NoNoSep 2026
6Loan SyncLoan SyncFree—NoYesJun 2026
7Cash Advance - CLS MoneyCash Advance - CLS MoneyFree—NoNoJul 2026
8P2Vest - Loan & Insurance AppP2Vest - Loan & Insurance AppFree3.6★ (165)NoNoJul 2026

Top Picks for Peer To Peer Loan

SoLo Funds: Lend & Borrow#1

SoLo Funds: Lend & Borrow by SoLo Funds Inc.

Loans On Your Terms
Editor's Choice
💰 Finance
4.4😞(41K ratings)
FreeAds
SoLo Funds: Lend & Borrow screenshot 1
SoLo Funds: Lend & Borrow screenshot 2
SoLo Funds: Lend & Borrow screenshot 3
SoLo Funds: Lend & Borrow screenshot 4
SoLo Funds: Lend & Borrow screenshot 5
SoLo Funds: Lend & Borrow screenshot 6

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.

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
Lenme: Borrowing and Lending#2

Lenme: Borrowing and Lending by Lenme Inc.

Quick Cash Advances and Loans
Strong Contender
💰 Finance
4.5😞(88K ratings)
FreeAdsIn-App Purchases
#9in 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
  • 🤷‍♀️ Unclear loan approval process
  • 🚫 Inability to modify or cancel loan requests
Loanr#3

Loanr by Loanr

Secured collateral loans!
Worth Considering
💼 Business
3.0😞(45 ratings)
Free
Loanr screenshot 1
Loanr screenshot 2
Loanr screenshot 3
Loanr screenshot 4

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.

What We Love

  • 👍 Easy to use app
  • 🚀 Quick loan funding
  • 🤝 Helpful lenders like Jona
  • 💡 Innovative lending approach
  • 💰 Good alternative to payday loans
  • 💬 Responsive customer service (sometimes)
  • ✅ Legit service for some users
  • 🌟 Great for emergencies

Room to Improve

  • 💸 High upfront fees/subscriptions
  • ❌ Scam accusations
  • 🚫 No loan funding for many
  • 📉 Poor refund process
  • 😠 Unresponsive customer support
  • ⚠️ Suspiciously positive reviews
  • 🤔 Confusing fee structure
  • 📱 App crashes/bugs
  • 🔒 Account suspension for refund requests
  • 👎 Lenders asking for upfront fees

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?
SoLo Funds: Lend & Borrow tops our peer to peer loan apps ranking as of September 2026, with a 4.4-star average from 41K App Store ratings, and it's free to download.
Yes — 19 of the top peer to peer loan apps we rank are free to download, including SoLo Funds: Lend & Borrow and Lenme: Borrowing and Lending.
SoLo Funds: Lend & Borrow shows ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 142+ peer to peer loan apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
SoLo Funds is a community finance platform that allows members to borrow funds up to $625 without credit checks or to earn money by lending to other members. It also provides a banking solution and AI-powered financial advice to help users manage their money.
You can access funds by requesting a loan through the app. There are no credit checks required, and you can access up to $625. The app offers choice and control over your borrowing terms, with all loans having up to 90 days for repayment.