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Best Solo Finance Apps

250+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated October 2026

Finding the right solo finance apps can be overwhelming with so many options. We've analyzed 250+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Solo Finance Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1SoLo Funds: Lend & BorrowSoLo Funds: Lend & BorrowFree4.4โ˜… (41K)YesNoOct 2026
2MoneyLion: Cash Advance AppMoneyLion: Cash Advance AppFree4.8โ˜… (329K)YesNoOct 2026
3UalettUalettFree4.9โ˜… (34K)NoNoOct 2026
4SoFi: Bank, Invest & CryptoSoFi: Bank, Invest & CryptoFree4.7โ˜… (385K)NoNoOct 2026
5121 Finance - Investor App121 Finance - Investor AppFreeโ€”NoNoMay 2026
6True Finance: Cash AdvanceTrue Finance: Cash AdvanceFree4.8โ˜… (68K)YesNoOct 2026
7SoloInc: Solo Business ManagerSoloInc: Solo Business ManagerFreeโ€”NoYesAug 2026
8onbalance: cash flow trackeronbalance: cash flow trackerFreeโ€”NoNoSep 2026

Top Picks for Solo Finance

SoLo Funds: Lend & Borrow#1

SoLo Funds: Lend & Borrow by SoLo Funds Inc.

Loans On Your Terms
Editor's Choice
๐Ÿ’ฐ Finance
4.4๐Ÿ˜ž(41K ratings)
FreeAds
SoLo Funds: Lend & Borrow screenshot 1
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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

  • ๐Ÿ’ฐ Helpful for emergencies
  • ๐Ÿค Community-driven lending platform
  • โšก Quick loan funding
  • ๐Ÿ•ฐ๏ธ Flexible repayment periods
  • ๐Ÿ†™ Ability to build credit score

Room to Improve

  • ๐Ÿคทโ€โ™‚๏ธ Inconsistent customer support
  • ๐Ÿคฏ Unclear fees and policies
  • ๐Ÿค• High risk of loan defaults
  • ๐Ÿคฌ Lack of lender protection
  • ๐Ÿ“‰ Declining lender satisfaction
MoneyLion: Cash Advance App#2

MoneyLion: Cash Advance App by MoneyLion

Cashback rewards & Loan Offers
Strong Contender
๐Ÿ’ฐ Finance
4.8๐Ÿ˜ž(329K ratings)
FreeAds
#55in Finance
MoneyLion: Cash Advance App screenshot 1
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MoneyLion: Cash Advance App screenshot 5
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Access mobile banking, personal finance tools, and cash advances. Earn cashback rewards and explore loan offers. Build credit with a membership and get paid up to two days early with direct deposit.

What We Love

  • ๐Ÿ’ณ Variety of banking options
  • ๐Ÿ’ฐ Helpful for financial stability
  • ๐Ÿ” Informative and educational
  • ๐Ÿค Good customer service (for some)
  • ๐Ÿ† Rewards and cash-back features
  • ๐Ÿ”’ Secure platform
  • ๐Ÿ•ฐ๏ธ Early direct deposit

Room to Improve

  • ๐Ÿ’ฐ Expensive membership fees
  • ๐Ÿค– Poor customer service (for others)
  • ๐Ÿค” Confusing policies and hidden fees
  • ๐Ÿ”’ Difficulty accessing/withdrawing funds
  • ๐Ÿ”„ Inconsistent app performance
  • ๐Ÿšซ Accounts closed without notice
  • ๐Ÿคฏ Frustrating verification process
  • ๐Ÿค‘ Predatory lending practices
Ualett#3

Ualett by Cabicash Solutions, Inc

Cash Advances & Transfers
Worth Considering
๐Ÿ’ผ Business
4.9๐Ÿ˜(34K ratings)
Free
Ualett screenshot 1
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Ualett screenshot 6

This app provides business support for independent workers by offering access to working capital based on verified income from gig platforms. It helps freelancers and contractors manage income timing, cover expenses, and smooth out income fluctuations with transparent, predictable, and flexible terms.

What We Love

  • ๐Ÿš€ Quick approval and funding
  • ๐Ÿ’ก Flexible repayment options
  • ๐Ÿ‘ Helpful customer service
  • ๐Ÿš€ Easy and convenient process
  • ๐Ÿ’ก Reliable cash advance resource for gig workers

Room to Improve

  • ๐Ÿ› Delayed funding and communication issues
  • ๐Ÿ”’ Concerns about data privacy and security
  • ๐Ÿ’ฐ High interest rates and fees
  • ๐Ÿ”’ Difficulty verifying identity or linking accounts

More Solo Finance apps to explore

FAQ about Solo Finance

What are the best solo finance apps for iPhone?
SoLo Funds: Lend & Borrow tops our solo finance apps ranking as of October 2026, with a 4.4-star average from 41K App Store ratings, and it's free to download.
Yes โ€” 20 of the top solo finance apps we rank are free to download, including SoLo Funds: Lend & Borrow and MoneyLion: Cash Advance App.
SoLo Funds: Lend & Borrow shows ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 250+ solo finance apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.