Best Universal Lending App

203+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

With an average user rating of 4.6★, the universal lending app category is one of the App Store's strongest. Browse all 203+ apps we track, sorted so the most loved ones surface first.

Compare top Universal Lending App (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Universal Lending AppUniversal Lending AppFreeNoNoJun 2026
2Universal LendingUniversal LendingFree5.0★ (13)NoNoJul 2026
3SoLo Funds: Lend & BorrowSoLo Funds: Lend & BorrowFree4.4★ (39K)YesNoJul 2026
4Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9★ (37K)NoNoJul 2026
5OneMainOneMainFree4.8★ (84K)NoNoJul 2026
6UBA Mobile AppUBA Mobile AppFree2.8★ (873)NoNoJul 2026
7P2Vest - Loan & Insurance AppP2Vest - Loan & Insurance AppFree3.6★ (165)NoNoJul 2026
8Ally: Bank, Auto & InvestAlly: Bank, Auto & InvestFree4.7★ (111K)NoNoJul 2026

Top Picks for Universal Lending App

Universal Lending#2

Universal Lending by Lower, LLC

Strong Contender
💰 Finance
5.0(13 ratings)
Free
Universal Lending screenshot 1
Universal Lending screenshot 2
Universal Lending screenshot 3
Universal Lending screenshot 4
Universal Lending screenshot 5

This mobile application connects borrowers, real estate partners, and sales teams within the mortgage process. It aims to provide specialized attention and streamline the real estate financing journey.

SoLo Funds: Lend & Borrow#3

SoLo Funds: Lend & Borrow by SoLo Funds Inc.

Loans On Your Terms
Worth Considering
💰 Finance
4.4😞(39K 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

  • 💰 Helpful for emergencies
  • 🤝 Community-driven lending platform
  • ⚡ Quick loan funding
  • 🕰️ Flexible repayment periods

Room to Improve

  • 🤷‍♂️ Inconsistent customer support
  • 🤯 Unclear fees and policies
  • 🤕 High risk of loan defaults

More Universal Lending App apps to explore

4
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Helping you borrow, better.
Free

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.

Check rate without credit score impactFast approvals and fundingPersonal loans up to $75,000
💰 Finance
(37K)
free
5
OneMain
OneMain
OneMain
Personal & Auto Loans
Free

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.

Make loan paymentsSet up AutoPaySign up for paperless statements
💰 Finance
(84K)
free
6
UBA Mobile App
UBA Mobile App
UBA Mobile App
UBA Mobile App
Free

Manage your finances, send money, pay bills, and save for your goals with this personal financial manager. It offers features like setting spending limits, instant notifications, and card management. Users can also open new accounts and find nearby branches or ATMs.

Manage accountsSend moneySchedule and pay bills
💰 Finance
(873)
free
7
P2Vest - Loan & Insurance App
P2Vest - Loan & Insurance App
P2Vest - Loan & Insurance App
P2P Lending | Buy Insurance
Free

Connects borrowers seeking loans directly with lenders, streamlining the traditional lending process. Users can apply for loans, receive funds, or invest by lending to others. Offers flexible repayment terms and requires KYC for increased loan limits.

Direct borrower-lender connectionLoan application and disbursementLending investment opportunities
💰 Finance
(165)
free
8
Ally: Bank, Auto & Invest
Ally: Bank, Auto & Invest
Ally: Bank, Auto & Invest
The app for all things money
Free

Manage your banking, investments, and auto payments all in one secure app. Features include smart savings tools, commission-free trading, and personalized investment advice. Get early direct deposit and free FICO® Score updates.

Manage bank, auto, and investment accountsSchedule vehicle payments and use Auto PaySmart savings tools like buckets and boosters
💰 Finance
(111K)
free
9
Beginnings Credit Union
Beginnings Credit Union
Beginnings Credit Union
Beginnings Mobile Banking
Free

Manage your finances on the go with this mobile banking application. Easily check balances, transfer funds, pay bills, deposit checks, and apply for loans. It offers secure and convenient access to your accounts anytime, anywhere.

View account balancesTransfer money between accountsExternal account transfers
💰 Finance
(2.6K)
free with in-app purchases
10
REV Federal Credit Union
REV Federal Credit Union
REV Federal Credit Union
REV Mobile App
Free

Manage your finances on the go with this mobile banking application. It offers features like biometric login, real-time transaction history, remote check deposit, and bill payment. You can also track your budget, make transfers, and apply for loans directly from your device.

Biometric AuthenticationReal-Time Transaction HistoryRemote Check Deposit
💰 Finance
(3.2K)
ad-supported
11
LendingTree Spring
LendingTree Spring
LendingTree Spring
Loans, credit score and more
Free

Manage your finances with free credit score updates, personalized saving insights, and easy comparison of loans and credit cards. Stay protected with credit monitoring alerts and expert advice to improve your financial health.

Free credit score updates and alertsPersonalized saving insightsLoan and credit card shopping
💰 Finance
(38K)
free with in-app purchases
12
Kiva - Lend for Good
Kiva - Lend for Good
Kiva - Lend for Good
Lend $25 and change a life
Free

Support entrepreneurs and students globally by lending as little as $25. Fund microfinance loans and make an impact that can be re-lent repeatedly. Join a community dedicated to financial inclusion and empowering underserved individuals.

Lend as little as $25Support entrepreneurs and studentsRe-lend funds for exponential impact
🌐 Social Networking
(2.4K)
free with in-app purchases
13
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
(80K)
free with in-app purchases
14
U1 Mobile
U1 Mobile
U1 Mobile
by UNIVERSAL 1 CREDIT UNION, INC.
Free

Manage your finances conveniently from your mobile device. View account balances, transfer funds, pay bills, deposit checks, and find nearby branches or ATMs. Access your U1 accounts anytime, anywhere.

View account balances and historyTransfer funds between accountsPay bills via Bill Pay
💰 Finance
(1.8K)
free with in-app purchases
15
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

Free bank account openingFree money transfersAutomated savings
💰 Finance
(133K)
freemium
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
(531K)
free with in-app purchases
17
Regional Finance
Regional Finance
Regional Finance
Manage your loan, your way
Free

Manage your personal loan with ease, from checking your balance to making payments and setting up auto-pay. Apply for loans up to $25,000 for various needs like debt consolidation or home improvements.

Check loan balanceMake and change one-time paymentsSet up/modify AutoPay
💰 Finance
(10)
free
18
Lenme: Borrowing and Lending
Lenme: Borrowing and Lending
Lenme: Borrowing and Lending
Quick Cash Advances and Loans
Free

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.

Instant cash advances up to $200Personal loans from $50 to $5,000Crypto-backed loans up to $10,000
💰 Finance
(80K)
subscription
19
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
20
UVA Community CU Mobile App
UVA Community CU Mobile App
UVA Community CU Mobile App
by University of Virginia Community Credit Union, Inc.
Free

Securely manage your credit union accounts on the go. Transfer funds, view balances and transactions, pay bills, and locate ATMs or branches. Get started easily with your existing online banking credentials.

Review account balances and transaction historySchedule and pay billsTransfer funds between accounts
💰 Finance
(1.3K)
free

FAQ about Universal Lending App

Are there free universal lending app for iPhone?
Yes — 20 of the top universal lending app we rank are free to download, including Universal Lending App and Universal Lending.
Universal Lending App has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 203+ universal lending app on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.