Best Personal Loans Apps

243+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated September 2026

With an average user rating of 4.5★, the personal loans category is one of the App Store's strongest. Browse all 243+ apps we track, sorted so the most loved ones surface first.

Compare top Personal Loans Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1SoLo Funds: Lend & BorrowSoLo Funds: Lend & BorrowFree4.4★ (41K)YesNoSep 2026
2Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9★ (43K)NoNoSep 2026
3Lenme: Borrowing and LendingLenme: Borrowing and LendingFree4.5★ (88K)YesYesSep 2026
4Possible: Fast Cash & CreditPossible: Fast Cash & CreditFree4.8★ (134K)NoNoSep 2026
5PayMe - Personal loan appPayMe - Personal loan appFree3.6★ (32)NoNoSep 2026
6Happen BankHappen BankFree4.8★ (9K)NoNoSep 2026
7Upgrade - Mobile BankingUpgrade - Mobile BankingFree4.9★ (83K)NoNoSep 2026
8Oportun: Savings & LoansOportun: Savings & LoansFree4.7★ (289K)NoNoSep 2026

Top Picks for Personal Loans

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
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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
Upstart: Personal Loans + More#2

Upstart: Personal Loans + More by Upstart Network, Inc.

Money for moments that matter
Strong Contender
💰 Finance
4.9😞(43K ratings)
Free
#84in Finance
Upstart: Personal Loans + More screenshot 1
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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
  • 🤔 Unclear approval criteria
  • 🤨 Unethical business practices
Lenme: Borrowing and Lending#3

Lenme: Borrowing and Lending by Lenme Inc.

Quick Cash Advances and Loans
Worth Considering
💰 Finance
4.5😞(88K ratings)
FreeAdsIn-App Purchases
#13in Finance
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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

More Personal Loans apps to explore

FAQ about Personal Loans

What are the best personal loans apps for iPhone?
SoLo Funds: Lend & Borrow tops our personal loans apps ranking as of September 2026, with a 4.4-star average from 41K App Store ratings, and it's free to download.
Yes — 20 of the top personal loans apps we rank are free to download, including SoLo Funds: Lend & Borrow and Upstart: Personal Loans + More.
SoLo Funds: Lend & Borrow shows ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 243+ personal loans 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.

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