Best Personal Loan Apps

247+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 2026

Looking for free personal loan apps? 20 of our 247+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Personal Loan Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OneMainOneMainFree4.8★ (91K)NoNoAug 2026
2Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9★ (41K)NoNoAug 2026
3Lenme: Borrowing and LendingLenme: Borrowing and LendingFree4.5★ (84K)YesYesAug 2026
4Possible: Fast Cash & CreditPossible: Fast Cash & CreditFree4.8★ (134K)NoNoAug 2026
5PayMe - Personal loan appPayMe - Personal loan appFree3.6★ (32)NoNoAug 2026
6SoLo Funds: Lend & BorrowSoLo Funds: Lend & BorrowFree4.4★ (40K)YesNoAug 2026
7Bright: Loans & Credit BuilderBright: Loans & Credit BuilderFree4.8★ (258K)YesNoAug 2026
8Upgrade - Mobile BankingUpgrade - Mobile BankingFree4.9★ (83K)NoNoAug 2026

Top Picks for Personal Loan Apps

OneMain#1

OneMain by One Main Financial

Personal & Auto Loans
Editor's Choice
💰 Finance
4.8😐(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

  • 👍 User-friendly app
  • 🚀 Convenient payment processing
  • 💡 Helpful customer service
  • 🤝 Great company overall

Room to Improve

  • 🐛 Buggy app updates
  • 🔒 Security issues with password entry
  • 💰 Predatory lending practices
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
#89in 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
Lenme: Borrowing and Lending#3

Lenme: Borrowing and Lending by Lenme Inc.

Quick Cash Advances and Loans
Worth Considering
💰 Finance
4.5😞(84K ratings)
FreeAdsIn-App Purchases
#11in 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

More Personal Loan Apps apps to explore

4
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
5
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
💰 Finance
(32)
free with in-app purchases
6
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
7
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding
💰 Finance
(258K)
subscription
8
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
💰 Finance
(83K)
free with in-app purchases
9
Cash Advance: Borrow Money App
Cash Advance: Borrow Money App
Cash Advance: Borrow Money App
Quick Payday & Personal Loans
Free

Quickly find personal loans from $100 to $2,500 to cover unexpected expenses. The app offers a simple application process, fast decisions, and connects you with lenders, regardless of credit score. Get funds as soon as the next business day.

Simple application processFast loan decisionsAll credit scores considered
💰 Finance
(11)
ad-supported
10
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
💰 Finance
(882K)
freemium
11
Cash Advance - Flash Advance
Cash Advance - Flash Advance
Cash Advance - Flash Advance
Extra Funds, Less Stress
Free

Access quick cash advances and personal loans up to $1,100 with a few taps. The app matches you with tailored offers from lenders, allowing you to preview terms and rates for free without pressure or a hard credit pull.

Cash advances up to $1,100Personal loan offersInstant matching with lenders
💰 Finance
(5)
free
12
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
💰 Finance
(111K)
free
13
Oportun: Savings & Loans
Oportun: Savings & Loans
Oportun: Savings & Loans
Build savings, track your loan
Free

This finance app helps you reach savings goals by automatically setting aside money based on your income and spending. It also allows existing loan members to easily manage their accounts and payments within the app.

Automated savings towards goalsPersonalized savings based on spendingPause or transfer savings anytime
💰 Finance
(289K)
subscription
14
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
💰 Finance
(3.2K)
free
15
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
💰 Finance
(455K)
subscription
16
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
💰 Finance
(552K)
free with in-app purchases
17
Fast Payday Loans
Fast Payday Loans
Fast Payday Loans
by Rainbow UK Ltd
Free

Access quick cash with this app, allowing you to borrow between £100 and £1000. It connects you with top UK lenders through a simple form, matching you to the most suitable loan provider.

Borrow £100 to £1000Connects with top UK lendersSimple application form
💰 Finance
(851)
free
18
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
High-Yield Savings & Stocks
Free

Manage your banking, investments, and cryptocurrency all in one place. This app offers fee-free checking, high-yield savings, commission-free stock trading, and the ability to buy, sell, and hold over 25 cryptocurrencies. It also provides tools for loan pre-qualification and credit score monitoring.

Buy, sell, and hold cryptocurrencyFee-free checking accountHigh-yield savings account
💰 Finance
(385K)
free with in-app purchases
19
Borrow & Cash Advance App
Borrow & Cash Advance App
Borrow & Cash Advance App
Loans Between Paydays Fast
Free
💰 Finance
(0)
20
Quick Loan - Credit Cash Calc
Quick Loan - Credit Cash Calc
Quick Loan - Credit Cash Calc
Instant loan EMI Planner
Free
💰 Finance
(0)

FAQ about Personal Loan Apps

What are the best personal loan apps for iPhone?
OneMain tops our personal loan apps ranking as of August 2026, with a 4.8-star average from 91K App Store ratings, and it's free to download.
Yes — 20 of the top personal loan apps we rank are free to download, including OneMain and Upstart: Personal Loans + More.
OneMain has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 247+ personal loan apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
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.