{"app_store_id":1409169287,"slug":"lenme-borrowing-and-lending-1409169287","name":"Lenme: Borrowing and Lending","subtitle":"Quick Cash Advances and Loans","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/bc/b5/c6/bcb5c679-572b-3b8b-37bf-710f4547feee/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/lenme-borrowing-and-lending/id1409169287?uo=4","price":0,"currency":"USD","rating":4.46584,"rating_count":95070,"in_app_purchases":true,"recent_rating":3.15,"recent_review_count":20,"reviews_checked_at":"2026-10-19T01:37:11.603Z","primary_genre":"Finance","version_date":"2026-09-09T16:28:25Z","updated_at":"2026-10-20T15:55:15.567Z","stale":false,"missing_since":null,"one_liner":"Free finance app offering cash advances, personal loans up to $5,000, and a lending marketplace where users can fund.","verified_maker":false,"maker_site":null,"file_size_bytes":169445376,"minimum_os":"15.5.0","content_rating":"17+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f1/9a/3c/f19a3c29-eb23-01f0-9400-515a454bbce8/Frame_1000003303.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/53/9f/b1/539fb1e5-2a5f-5909-4426-a7d34071ce12/Frame_1000003304.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/91/7a/a2/917aa265-10ec-7fa5-3098-b4091654a3ef/Frame_1000003308.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/3e/b6/47/3eb647a9-6941-c1e2-8ee7-9dd9e4281dd1/Frame_1000003311.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e1/51/37/e1513762-ea29-8ab1-ca66-3a8142931e2d/Frame_1000003310.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/93/23/80/9323801b-c0e8-fcfb-bf17-bcad71553523/Frame_1000003309.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b9/3f/8a/b93f8aee-0277-db5b-56df-afc92223c9b1/Frame_1000003305.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/97/40/41/974041e7-f207-aa9e-a3ef-695871a5d69b/Frame_1000003312.png/320x480bb.jpg"],"developer_name":"Lenme Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/lenme-borrowing-and-lending-1409169287/","api_url":"https://apptierlist.com/api/v1/apps/lenme-borrowing-and-lending-1409169287","schema_version":"1.0","generated_at":"2026-10-22T07:48:37.859Z","data_as_of":"2026-10-22T04:59:12.573Z","description":"BORROW, LEND AND GROW, ALL IN ONE APP.\n\nLife doesn't wait for payday, and now should you. Lenme is where real people secure instant $200 cash advances, fast personal loans reaching up to $5,000, and a smarter way to grow their investments, all in one platform.\n\nNEED EXTRA CASH RIGHT NOW?\n\nSecure an instant $200 advance in those low-balance moments. No credit check. No paperwork. No judgment. Just extra cash when you need it.\n\nWANT TO BORROW MORE?\n\nRequest up to $5,000 and watch thousands of real lenders competing to fund your loan request in minutes. You choose the amount, the repayment period, and the offer that actually fits your life. Rates start at 3% APR only.\n\nHATE SURPRISE FEES?\n\nSo do we. No tips, no hidden charges and no money traps. Turn on Balance Guard and Lenme quietly secures a cash advance to keep your account in the green safe zone. Forget about overdraft fees with our newest automated feature.\n\nDAILY DEALS AND BIG SAVINGS INSIDE\n\nEnjoy access to money-saving tools like Credit Score boosters, Insurance plans, and Side Hustle programs—all in our Marketplace.\n\nTURN YOUR FREE TIME INTO EXTRA CASH\n\nEver wish your downtime paid you back? With Lenme's new gaming feature, you can. Play exciting games, complete milestones and level up, and earn up to $50 a day in extra rewards. When you're ready, cash out your earnings straight to your bank account in just a few simple taps. Actual earnings vary based on gameplay and completed milestones.\n\nDO OWN CRYPTO? WE HAVE A SPECIAL LOAN FOR YOU!\n\nBy connecting your crypto wallet, you unlock exclusive access to Personal Loans up to $10,000—a new kind of borrowing backed by your assets. Download Lenme now and experience the smarter, faster way to access Cash Advances or Personal Loans you deserve—no matter where life takes you.\n\nLenme isn’t just for borrowers. It’s also the perfect gateway to Passive Income and Financial Freedom.\n\nWANT YOUR MONEY TO WORK BACK?\n\nHere's the part nobody else offers: flip the script and become a lender. Put your money to work and earn higher returns while others get funded.\n\nLenme is a lending platform that connects people looking to borrow money with financial institutions, lending businesses, and individual investors looking to invest in the loan market. Users remain completely anonymous throughout the entire borrowing/lending process. For transparency and to encourage a fair and competitive market, the “feed” tab within the app allows users to see which loans are being funded and at what interest rate.\n\nLenme offers monthly and annual subscription plans available via In-App Purchases. Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage or cancel your subscription at any time by going to your Account Settings on the App Store after purchase.\n\nCrypto-backed loans, our new product allows investors to fund cash loans backed by cryptocurrency owned by the borrower. Cryptocurrencies are used as collateral and may be liquidated in case of default or sudden price drop of the held currency.\n\nSince our app is not directly involved in the lending decision, we cannot guarantee the interest rate borrowers will be offered. All borrowers have the option to request a loan on our platform for up to a 12-month repayment period, paid in installments. Lenders can offer loans for a minimum of 3% APR based on the credit score and their own criteria. The lending decision is based on multiple factors viewable on our app, including credit, income, and cash flow analysis.\n\nA representative example of the total cost of the loan, including all applicable fees: If you borrow $1,000 over a term of 1 year with an APR of 12% and an origination fee of 1%, you will pay $89.75 per month. The total amount payable will be $1,076.96, with a total interest and fees of $76.96.\n\nFor more information, see our Terms of Use and Privacy Policy:\nhttps://lenme.com/privacy-policy/\nhttps://lenme.com/term-of-use/","facts":{"developer_id":1378427448,"developer_url":"https://lenme.com","first_released":"2018-09-20T03:12:06Z","support_url":"https://help.lenme.com/en/","privacy_url":"https://www.lenme.com/privacy-policy","website_url":"https://lenme.com/","app_version":"26.7.1","release_notes":"We're excited to introduce LenAI and Lenme Arcade, powerful new features designed to help lenders make smarter decisions and give users new ways to earn on Lenme. We're always working to improve your experience. Here's what's new in this update:\n\n- Introducing LenAI: An intelligent lender agent that helps you better understand borrower profiles with deeper insights, risk signals, and smarter decision support.\n- Lenme Arcade: You can now play games and earn real cash directly in the app.\n- Lenme Reward Survey: Share your feedback through quick surveys and earn rewards for helping us improve your Lenme experience.\n- Redesigned Login: We've refreshed the login page to make signing in faster and easier — the app now remembers your previous login method so you can jump right back in.\n- Bug Fixes & Improvements: We fixed several issues to make the app smoother and more reliable.\n\nHave feedback or questions? Reach out anytime at hello@lenme.com.","rating_current_version":4.46584,"rating_count_current_version":95070,"star_counts":[8996,1499,2814,4554,76938],"genres":["Finance","Business"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipad","ipod"],"chart":{"name":"top-free Finance","position":37}},"freshness":{"apple_read_at":"2026-10-20T15:55:15.567Z","catalog_read_at":"2026-10-19T01:37:11.603Z","reviews_checked_at":"2026-10-19T01:37:11.603Z","summary_written_at":"2026-10-17T16:32:13.405Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-22T04:59:12.573Z"},"editorial":{"one_liner":"Free finance app offering cash advances, personal loans up to $5,000, and a lending marketplace where users can fund.","what_is":"Lenme is a Finance app that connects people who want to borrow money with lenders, including financial institutions, lending businesses, and individual investors. Users remain anonymous during the borrowing and lending process, and a feed tab shows which loans are being funded and at what interest rate. The app also describes a Marketplace with credit score, insurance, and side hustle tools, and a gaming feature that pays rewards.","good_for":["Covering a short-term gap before payday with a cash advance up to $200","Requesting a personal loan up to $5,000 and comparing lender offers","Users who want to lend money and earn returns on loans funded through the app"],"pricing":"Lenme: Borrowing and Lending is free to download, with in-app purchases on the App Store.","faq":[{"q":"Is the app free to use?","a":"The app is free to download. Monthly and annual subscription plans are available via In-App Purchases, and that subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the period."},{"q":"How large can a loan be?","a":"Users can request up to $5,000 in personal loans and up to $10,000 for crypto-backed personal loans after connecting a crypto wallet. Cash advances are described as up to $200. Rates are stated to start at 3% APR."},{"q":"Will my identity be shared with lenders?","a":"Users remain completely anonymous throughout the entire borrowing and lending process. It does not describe the specific data collected or how it is stored."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T16:32:13.405Z"},"memberships":[{"list":"loan-finding","list_name":"loan finding","list_status":"active","list_url":"https://apptierlist.com/best/loan-finding/","position":7,"tier":"A","score":80.4,"components":{"rating":80.4,"votes":89.8,"rank":51.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"},{"list":"cash-advances","list_name":"cash advances","list_status":"active","list_url":"https://apptierlist.com/best/cash-advances/","position":30,"tier":"C","score":80.4,"components":{"rating":80.4,"votes":89.8,"rank":51.4,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"},{"list":"peer-lending","list_name":"peer 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