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Best Solo Finance Apps

250+ iOS apps curated and reviewed

4.5 avg rating
19 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)YesNoSep 2026
2UalettUalettFree4.9โ˜… (33K)NoNoSep 2026
3MoneyLion: Banking & Cash BackMoneyLion: Banking & Cash BackFree4.8โ˜… (324K)YesNoSep 2026
4121 Finance - Investor App121 Finance - Investor AppFreeโ€”NoNoMay 2026
5Otto FinanceOtto FinanceFree1.0โ˜… (1)NoNoAug 2026
6Possible: Fast Cash & CreditPossible: Fast Cash & CreditFree4.8โ˜… (134K)NoNoSep 2026
7SoFi: Bank, Invest & CryptoSoFi: Bank, Invest & CryptoFree4.7โ˜… (385K)NoNoSep 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˜(33K ratings)
Free
#78in Business
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(324K ratings)
FreeAds
#37in 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

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€” 19 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.