Best Personal Loan App Usa

0+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

Looking for free personal loan app usa? 20 of our 0+ tracked titles are free to download โ€” no subscription, no trial. The rest are premium picks worth paying for.

Compare top Personal Loan App Usa (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OneMainOneMainFree4.8โ˜… (91K)NoNoAug 2026
2U.S. Bank Mobile BankingU.S. Bank Mobile BankingFree4.8โ˜… (2.1M)YesNoAug 2026
3Possible: Fast Cash & CreditPossible: Fast Cash & CreditFree4.8โ˜… (134K)NoNoAug 2026
4Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9โ˜… (40K)NoNoAug 2026
5Dave: Credit, Cash & Money AppDave: Credit, Cash & Money AppFree4.8โ˜… (877K)NoNoAug 2026
6Cash Advance - Cash Funds AppCash Advance - Cash Funds AppFree4.8โ˜… (14)NoNoAug 2026
7PayMe - Personal loan appPayMe - Personal loan appFree3.6โ˜… (32)NoNoAug 2026
8Brigit: Cash Advance & CreditBrigit: Cash Advance & CreditFree4.8โ˜… (549K)NoNoAug 2026

Top Picks for Personal Loan App Usa

OneMain#1

OneMain by One Main Financial

Personal & Auto Loans
Editor's Choice
๐Ÿ’ฐ Finance
4.8๐Ÿ˜(91K ratings)
Free
OneMain screenshot 1
OneMain screenshot 2
OneMain screenshot 3
OneMain screenshot 4
OneMain screenshot 5
OneMain screenshot 6

Manage your personal or auto loan on the go. Make payments, set up automatic payments, and receive paperless statements and alerts. You can also monitor your credit score and track your spending to potentially save money.

What We Love

  • ๐Ÿ‘ User-friendly app
  • ๐Ÿš€ Convenient payment processing
  • ๐Ÿ’ก Helpful customer service
  • ๐Ÿค Great company overall

Room to Improve

  • ๐Ÿ› Buggy app updates
  • ๐Ÿ”’ Security issues with password entry
  • ๐Ÿ’ฐ Predatory lending practices
U.S. Bank Mobile Banking#2

U.S. Bank Mobile Banking by U.S. Bancorp

Personal Finance and Invest
Strong Contender
๐Ÿ’ฐ Finance
4.8๐Ÿ˜(2.1M ratings)
FreeAds
#24in Finance
U.S. Bank Mobile Banking screenshot 1
U.S. Bank Mobile Banking screenshot 2
U.S. Bank Mobile Banking screenshot 3
U.S. Bank Mobile Banking screenshot 4
U.S. Bank Mobile Banking screenshot 5
U.S. Bank Mobile Banking screenshot 6

Manage your finances, monitor cash flow, and send money securely. View account balances, deposit checks, pay bills, and track spending. Get personalized insights and explore banking products and investments.

What We Love

  • ๐Ÿ‘ Convenient mobile banking
  • ๐Ÿš€ Easy to use app
  • ๐Ÿ’ณ Great bank overall
  • ๐Ÿค Friendly and helpful customer service

Room to Improve

  • ๐Ÿ› Frequent app crashes and bugs
  • ๐Ÿค” Confusing app updates and changes
  • ๐Ÿ’ณ Issues with credit card rewards redemption
Possible: Fast Cash & Credit#3

Possible: Fast Cash & Credit by Possible Finance

Borrow money, loans, advances
Worth Considering
๐Ÿ’ฐ Finance
4.8๐Ÿ˜(134K ratings)
Free
#71in Finance
Possible: Fast Cash & Credit screenshot 1
Possible: Fast Cash & Credit screenshot 2
Possible: Fast Cash & Credit screenshot 3
Possible: Fast Cash & Credit screenshot 4
Possible: Fast Cash & Credit screenshot 5
Possible: Fast Cash & Credit screenshot 6

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.

What We Love

  • ๐Ÿš€ Quick approval and fund disbursement
  • ๐Ÿ’ณ Helps build credit score
  • ๐Ÿ—“๏ธ Flexible payment schedule
  • ๐Ÿ†“ No credit check required

Room to Improve

  • ๐Ÿ› App issues (crashes, bugs, login problems)
  • ๐Ÿ•ฐ๏ธ Slow customer support response times
  • ๐Ÿ’ฐ High interest rates

More Personal Loan App Usa apps to explore

4
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
๐Ÿ’ฐ Finance
(40K)
free
5
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Get Paid Early, No Hidden Fees
Free

Access up to $500 in minutes without a credit check or interest. Get paid up to two days early, avoid pesky fees, and save effortlessly with dedicated savings accounts. This app offers financial management tools to help you reach your goals.

Up to $500 cash advanceNo credit check or interest on advancesGet paid up to 2 days early
๐Ÿ’ฐ Finance
(877K)
freemium
6
Cash Advance - Cash Funds App
Cash Advance - Cash Funds App
Cash Advance - Cash Funds App
No Credit Check, Easy & Secure
Free

This app provides quick access to loans for unexpected expenses like repairs, bills, or urgent purchases. It offers a clear, comfortable, and private borrowing experience directly from your phone, making the loan process feel more manageable.

Quick loan accessNo credit check requiredUser-friendly design
๐Ÿ’ฐ Finance
(14)
free
7
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
๐Ÿ’ฐ Finance
(32)
free with in-app purchases
8
Brigit: Cash Advance & Credit
Brigit: Cash Advance & Credit
Brigit: Cash Advance & Credit
Get $25-$500* in Minutes
Free

Access fast cash advances, build credit history without a card, and manage your finances with smart budgeting tools. Get personalized loan offers, earn extra money, and protect your identity. Offers free financial insights and paid plans for enhanced features.

Instant cash advances up to $500Build credit history with on-time paymentsPersonal loan offers from partners
๐Ÿ’ฐ Finance
(549K)
free with in-app purchases
9
LendingPoint
LendingPoint
LendingPoint
Loan Management
Free

Manage your personal loans and financial goals with this comprehensive finance app. Check loan rates, make payments, and update your information seamlessly. It's designed to help you achieve financial well-being.

Check personal loan ratesManage existing loansMake loan payments
๐Ÿ’ฐ Finance
(3.2K)
free
10
Money Loan App: Quick Cash Now
Money Loan App: Quick Cash Now
Money Loan App: Quick Cash Now
Fast Advance for Bad Credit
Free
๐Ÿ’ผ Business
(0)
11
Avant
Avant
Avant
by Avant, LLC (US)
Free

Manage your credit card or personal loan with this app. View transactions, schedule payments, and update payment methods. Access customer support easily within the app.

Schedule or cancel paymentsView transaction historyAdd or remove payment methods
๐Ÿ’ฐ Finance
(111K)
free
12
Marcus by Goldman Sachsยฎ
Marcus by Goldman Sachsยฎ
Marcus by Goldman Sachsยฎ
Banking & Personal Finance
Free

Manage your finances and grow your savings with competitive interest rates on various account types. Easily open accounts, add funds, and track your progress with helpful tools. All deposits are FDIC-insured for your peace of mind.

High-yield savings accountsCDs with competitive ratesNo-penalty CDs
๐Ÿ’ฐ Finance
(260K)
free
13
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Save, Spend & Grow Your Credit
Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
๐Ÿ’ฐ Finance
(7.7M)
free with in-app purchases
14
Lenme: Borrowing and Lending
Lenme: Borrowing and Lending
Lenme: Borrowing and Lending
Quick Cash Advances and Loans
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
๐Ÿ’ฐ Finance
(84K)
subscription
15
Upgrade - Mobile Banking
Upgrade - Mobile Banking
Upgrade - Mobile Banking
Rewards Checking, Loans, Cards
Free

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

Cash back rewards on card purchasesManage personal loans and credit linesTrack credit score and receive alerts
๐Ÿ’ฐ Finance
(83K)
free with in-app purchases
16
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
๐Ÿ’ฐ Finance
(66K)
free
17
LendingTree Spring
LendingTree Spring
LendingTree Spring
Loans, credit score and more
Free

Manage your finances with free credit score updates, personalized saving insights, and easy comparison of loans and credit cards. Stay protected with credit monitoring alerts and expert advice to improve your financial health.

Free credit score updates and alertsPersonalized saving insightsLoan and credit card shopping
๐Ÿ’ฐ Finance
(38K)
free with in-app purchases
18
Borrow Money Instantly Now App
Borrow Money Instantly Now App
Borrow Money Instantly Now App
Online Loans Without Rejects
Free
๐Ÿ’ฐ Finance
(0)
19
Cash Advance - Payday Brin
Cash Advance - Payday Brin
Cash Advance - Payday Brin
No Credit Check, Cash Today
Free

Quickly explore cash advance and personal loan options up to $900 with transparent terms and fast comparison. Understand eligibility, costs, and repayment details before committing.

Explore cash advances up to $900Compare loan amounts and ratesReview repayment terms
๐Ÿ’ฐ Finance
(3K)
free
20
Borrow Money Fast: Loan Calc
Borrow Money Fast: Loan Calc
Borrow Money Fast: Loan Calc
by JAYSUKHBHAI BARVALIYA
Free

Instantly calculate loan EMIs, interest, and repayment schedules. Plan personal and business finances with smart insights and educational tools to make informed borrowing decisions.

Instant EMI calculationPersonal loan planningBusiness loan calculations
๐Ÿ’ฐ Finance
(2)
ad-supported

FAQ about Personal Loan App Usa

What is the best personal loan app usa for iPhone?
OneMain tops our personal loan app usa ranking as of July 2026, with a 4.8-star average from 91K App Store ratings, and it's free to download.
Yes โ€” 20 of the top personal loan app usa we rank are free to download, including OneMain and U.S. Bank Mobile Banking.
OneMain has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
The OneMain app allows existing customers to manage their personal and auto loans. You can make loan payments, set up automatic payments via AutoPay, and receive paperless statements and payment alerts. It also provides tools to monitor your VantageScore and track your spending.
This app is for existing OneMain customers to manage their active loans. To apply for a new personal loan, you need to visit OMF.com. The app does not facilitate new loan applications.