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Best Solo Finance Apps

250+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated August 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 (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1SoLo Funds: Lend & BorrowSoLo Funds: Lend & BorrowFree4.4โ˜… (40K)YesNoAug 2026
2UalettUalettFree4.9โ˜… (32K)NoNoAug 2026
3MoneyLion: Banking & Cash BackMoneyLion: Banking & Cash BackFree4.8โ˜… (322K)YesNoAug 2026
4121 Finance - Investor App121 Finance - Investor AppFreeโ€”NoNoMay 2026
5Otto FinanceOtto FinanceFree1.0โ˜… (1)โ€”NoJul 2026
6Possible: Fast Cash & CreditPossible: Fast Cash & CreditFree4.8โ˜… (134K)NoNoAug 2026
7SoFi: Bank, Invest & CryptoSoFi: Bank, Invest & CryptoFree4.7โ˜… (386K)NoNoAug 2026
8True FinanceTrue FinanceFreeโ€”NoNoMay 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(40K 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

  • ๐Ÿ’ฐ Helpful for emergencies
  • ๐Ÿค Community-driven lending platform
  • โšก Quick loan funding
  • ๐Ÿ•ฐ๏ธ Flexible repayment periods

Room to Improve

  • ๐Ÿคทโ€โ™‚๏ธ Inconsistent customer support
  • ๐Ÿคฏ Unclear fees and policies
  • ๐Ÿค• High risk of loan defaults
Ualett#2

Ualett by Cabicash Solutions, Inc

Built for Gig Workers
Strong Contender
๐Ÿ’ผ Business
4.9๐Ÿ˜(32K ratings)
Free
Ualett screenshot 1
Ualett screenshot 2
Ualett screenshot 3
Ualett screenshot 4
Ualett screenshot 5
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

Room to Improve

  • ๐Ÿ› Delayed funding and communication issues
  • ๐Ÿ”’ Concerns about data privacy and security
  • ๐Ÿ’ฐ High interest rates and fees
MoneyLion: Banking & Cash Back#3

MoneyLion: Banking & Cash Back by MoneyLion

Cashback rewards & Loan Offers
Worth Considering
๐Ÿ’ฐ Finance
4.8๐Ÿ˜ž(322K ratings)
FreeAds
#38in Finance
MoneyLion: Banking & Cash Back screenshot 1
MoneyLion: Banking & Cash Back screenshot 2
MoneyLion: Banking & Cash Back screenshot 3
MoneyLion: Banking & Cash Back screenshot 4
MoneyLion: Banking & Cash Back screenshot 5
MoneyLion: Banking & Cash Back screenshot 6

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)

Room to Improve

  • ๐Ÿ’ฐ Expensive membership fees
  • ๐Ÿค– Poor customer service (for others)
  • ๐Ÿค” Confusing policies and hidden fees

More Solo Finance apps to explore

4
121 Finance - Investor App
121 Finance - Investor App
121 Finance - Investor App
121 Finance Private Limited
Free
๐Ÿ’ผ Business
(0)
5
Otto Finance
Otto Finance
Otto Finance
by Otto Finance LTD
Free

Manage your finances comprehensively with AI-driven insights and expert 1:1 coaching. Gain a holistic view of your wealth, create personalized action plans, and track your investment portfolio. Achieve ultimate financial health and secure your future.

Comprehensive financial health management1:1 coaching from qualified expertsHolistic wealth and net worth overview
๐Ÿ’ฐ Finance
(1)
free
6
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
๐Ÿ’ฐ Finance
(134K)
free with in-app purchases
7
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
Online Banking & Investing
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
๐Ÿ’ฐ Finance
(386K)
free with in-app purchases
8
True Finance
True Finance
True Finance
True Finance
Free
๐Ÿ’ฐ Finance
(0)
9
Tal finance
Tal finance
Tal finance
Reliable Digital Experience!
Free
๐Ÿ’ฐ Finance
(0)
10
Albert: Budgeting and Banking
Albert: Budgeting and Banking
Albert: Budgeting and Banking
Organize. Budget. Save.
Free

Manage your finances with an all-in-one app for budgeting, saving, and investing. It offers 24/7 identity monitoring, high-yield savings accounts, and an AI financial assistant to help you organize your money.

Budgeting and expense trackingAutomatic savings and investing24/7 identity and account monitoring
๐Ÿ’ฐ Finance
(325K)
subscription
11
Solo 401k Calculator
Solo 401k Calculator
Solo 401k Calculator
by ้•ฟ่ดต ๅ‘จ
Free
๐Ÿ’ฐ Finance
(0)
12
True Finance: Cash Advance
True Finance: Cash Advance
True Finance: Cash Advance
Get, Earn, and Save Money
Free

Access instant cash advances, manage your budget with smart tools, and track your credit score. Earn extra income by playing games or taking surveys. Explore financial products from trusted partners.

Instant cash advances up to $150Smart budgeting and spending trackerEarn rewards by playing games and surveys
๐Ÿ’ฐ Finance
(67K)
subscription
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
๐Ÿ’ฐ Finance
(289K)
subscription
14
Finance Gate
Finance Gate
Finance Gate
Finance
Free
๐Ÿ’ฐ Finance
(0)
15
SOLO by Tidalwave
SOLO by Tidalwave
SOLO by Tidalwave
Agentic AI Mortgage POS+
Free

This app streamlines the mortgage application process for loan officers. It offers unified communication, automated task management, and quick document verification. Seamless integration with loan origination systems enhances efficiency.

Unified communication (voice, chat)Pre-qualification letter managementAutomated task management
๐Ÿ”ง Utilities
(5)
free
16
Ethos Asset Finance
Ethos Asset Finance
Ethos Asset Finance
by Ethos Asset Finance
Free
๐Ÿ’ฐ Finance
(0)
17
BuxMuse
BuxMuse
BuxMuse
Budget & Expense Tracker
Free
๐Ÿ’ฐ Finance
(0)
18
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
(874K)
freemium
19
Cash Copilot: Smart Finance
Cash Copilot: Smart Finance
Cash Copilot: Smart Finance
AI ChatBot for Loan Success
Free

Get personalized financial advice and AI-powered budgeting tools to improve your financial literacy. Understand loans, manage debt, and make smarter money decisions with intuitive, jargon-free guidance.

Personalized loan adviceAI-powered budgetingDebt management strategies
๐Ÿ“Š Productivity
(17)
free
20
Finance Jobs Int
Finance Jobs Int
Finance Jobs Int
A Finance Sector Job Finder
Free
๐Ÿ“Š Productivity
(0)

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 August 2026, with a 4.4-star average from 40K 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 Ualett.
SoLo Funds: Lend & Borrow shows ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 250+ solo finance apps on the iOS App Store as of August 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.