{"app_store_id":1630195034,"slug":"rate-home-finance-wellness-1630195034","name":"Rate: Home, Finance & Wellness","subtitle":"Loans, travel, fitness & gear","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/85/51/8c/85518cf6-92b7-7bce-200a-56fb03b52ea1/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/rate-home-finance-wellness/id1630195034?uo=4","price":0,"currency":"USD","rating":4.86094,"rating_count":2524,"in_app_purchases":false,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-10-19T13:05:07Z","updated_at":"2026-10-23T00:20:14.245Z","stale":false,"missing_since":null,"one_liner":"Finance app for mortgage, auto and personal loans, with wellness content, apparel shopping and travel booking.","verified_maker":false,"maker_site":null,"file_size_bytes":178331648,"minimum_os":"17","content_rating":"4+","language_count":2,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f4/4c/71/f44c7196-d2db-a9fa-1469-84b9162b63e1/01_Rate_App_Store_iOS.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/32/40/68/324068f6-587b-61a5-5203-79d54cc18727/Rate_App_Store_iOS__U2013_03.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/8c/c4/15/8cc415b0-4dbf-3076-ae9c-119996afd643/04_Rate_App_Store_iOS.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/53/ed/24/53ed24f3-ad3c-4eb8-ef25-93a56f671e96/03_-_GRI_App_Store_iOS@1x.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/1e/2c/cb/1e2ccbef-71fb-b974-ef52-c14d0fe4a978/06_Rate_App_Store_iOS.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/7e/55/14/7e55143c-cc70-0595-109f-bf1bb8044543/05_-_GRI_App_Store_iOS@1x.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/16/bb/e2/16bbe271-5354-8747-1022-e3fe8970f235/07_-_GRA_App_Store_iOS@1x.png/320x480bb.jpg"],"developer_name":"Guaranteed Rate, Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/rate-home-finance-wellness-1630195034/","api_url":"https://apptierlist.com/api/v1/apps/rate-home-finance-wellness-1630195034","schema_version":"1.0","generated_at":"2026-10-23T08:54:43.324Z","data_as_of":"2026-10-23T00:20:14.245Z","description":"Rate is a next‐generation mortgage, auto, and wellness app that connects your home, finances, and daily wellbeing in one seamless experience. With fast approvals, intuitive tools, and a growing library of wellness and lifestyle content, Rate helps you move confidently through every part of life — from buying a home to improving your health.\n\nHomeownership & Lending:\n-Apply in minutes for a mortgage, refinance, HELOC, personal loan, or auto loan. \n-Explore homes for sale and check your home’s estimated value. \n-Track every step of your loan through the Loan Center with real‐time updates. \n-Connect with dedicated mortgage advisors and access insurance options for home, auto, pets, umbrella, and more.\n\nAuto Loans:\n-Browse vehicles by make, model, and body style. \n-Get instantly pre‐qualified and receive a printable voucher to bring to the dealership. \n-Compare financing options and shop confidently with clear terms.\n\nWellness, Lifestyle & Performance:\n-Explore Yoga Yard flows, Zen Den meditations, Sleep Sanctuary soundscapes, and the 7‐Day Sleep Harmony series. \n-Train with athlete‐led programs including Train Like a Champ and Outdoor Studio workouts filmed in Miami and Chicago. \n-Build healthier routines with Nutrition Kitchen meal plans and Guru Garden mindfulness sessions. \n-Shop RateFit — premium performance apparel designed for movement, comfort, and everyday wear. \n-Discover Rate Outdoors for saunas, cold plunges, outdoor showers, and backyard wellness essentials. \n-Plan your next trip with Rate Travel, offering flights, hotels, and experiences directly within the app.\n\nYour Life, Connected  Rate brings together your financial tools, wellness routines, lifestyle products, and daily decisions to help you live more balanced every day.\n\nRate Personal Loans:  \nLoans are made by Rate, Inc. (NMLS ID 2611).  You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Repayment options range from 1 – 5 years. Loan amounts range from $4,000 - $50,000. Standard fixed rates from 8.99% to 19.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, standard fixed rates range from 8.74% to 19.74% APR. Rates and loan amount may differ due to state-specific requirements and may impact your ability to qualify for a loan. Limitations: FL, ME, NC, TX, VT, PA, and CT (rate); IL, MA, CA, RI and NM (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates and terms are current as of 01/13/23 and are subject to change without notice. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities. Personal loans are only available in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, IA, KS, LA, ME, MA, MI, MD, MN, MO, ND, NC, NH, NJ, NM, OH, OK, PA, RI, SC, TN, TX, UT, VT, WA, and WY as of 01/13/23. Loan applications outside of these states will not be accepted at this time. To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. ","facts":{"developer_id":1095419624,"developer_url":"https://www.rate.com/app","first_released":"2023-01-24T08:00:00Z","support_url":"https://www.rate.com/contact-us","privacy_url":"https://www.rate.com/privacy","website_url":"https://www.rate.com/app","app_version":"31.3","release_notes":"We've made it even easier to get started with Rate! \n\n• New onboarding experience for first-time users, including an animated welcome screen and personalized questionnaire. \n• Added a push notification setup experience to help you stay connected. \n• Agents can now provide consent to receive client pipeline text updates and manage preferences in Notification Settings. \n• New Renter's Insurance coverage option available for those who rent. \n• Performance improvements and bug fixes.","rating_current_version":4.86094,"rating_count_current_version":2524,"star_counts":[33,7,38,122,2324],"genres":["Finance","Health & Fitness"],"languages":["EN","ES"],"content_advisories":null,"device_families":["iphone"],"made_for_iphone_duo":null,"chart":null},"freshness":{"apple_read_at":"2026-10-23T00:20:14.245Z","catalog_read_at":"2026-10-20T20:05:04.804Z","reviews_checked_at":null,"summary_written_at":"2026-10-19T09:26:11.830Z","placed_at":"2026-10-19T09:11:11.813Z","scored_at":"2026-10-22T19:10:20.624Z"},"editorial":{"one_liner":"Finance app for mortgage, auto and personal loans, with wellness content, apparel shopping and travel booking.","what_is":"Rate is a free finance app listed under Finance that covers home lending, auto loans and personal loans. It also includes wellness and lifestyle content such as yoga, meditation, sleep soundscapes, workouts, meal plans, a RateFit apparel shop and Rate Travel bookings.","good_for":["Comparing or applying for a mortgage, refinance, HELOC or auto loan","Getting a personal loan from Rate, Inc. For amounts from $4,000 to $50,000","Following guided yoga, meditation, sleep or workout programs in one app"],"pricing":"Rate: Home, Finance & Wellness is free, with no in-app purchases on the App Store.","faq":[{"q":"Who can get a Rate personal loan?","a":"You must be 18 or older (19 or older in Alabama) and be a US citizen, a permanent resident, or a non-permanent resident on a valid, long-term visa. Approval depends on minimum requirements including credit history and debt-to-income ratio."},{"q":"What are the personal loan terms listed?","a":"Repayment options range from 1 to 5 years. Standard fixed rates are 8.99% to 19.99% APR, or 8.74% to 19.74% with a 0.25% autopay discount. Rates are stated as current as of 01/13/23 and vary by state."},{"q":"Does the app include wellness content as well as finance tools?","a":"Yes. The listing describes Yoga Yard flows, Zen Den meditations, Sleep Sanctuary soundscapes, athlete-led workout programs, Nutrition Kitchen meal plans, RateFit apparel, Rate Outdoors products and Rate Travel bookings."}],"model":"claude-haiku-5-5","created_at":"2026-10-19T09:26:11.830Z"},"memberships":[{"list":"loan-finding","list_name":"loan finding","list_status":"active","list_url":"https://apptierlist.com/best/loan-finding/","position":10,"tier":"C","score":67.8,"components":{"rating":97.2,"votes":74,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-19T09:11:11.813Z"}],"main_list":"loan-finding","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":174166,"at":"2026-10-19T09:17:11.718Z","kind":"tier_changed","list":"loan-finding","app_store_id":1630195034,"app":"rate-home-finance-wellness-1630195034","from":null,"to":"C","reason":"score 67.8","job":"rescore"},{"id":173679,"at":"2026-10-19T09:11:11.813Z","kind":"membership_added","list":"loan-finding","app_store_id":1630195034,"app":"rate-home-finance-wellness-1630195034","from":null,"to":"active","reason":"Core job is applying in minutes for a mortgage, refinance, HELOC, personal loan or auto loan, with pre-qualification and loan tracking.","job":"shadow"},{"id":169398,"at":"2026-10-19T05:08:11.787Z","kind":"app_added","list":null,"app_store_id":1630195034,"app":"rate-home-finance-wellness-1630195034","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"loan-finding","list_name":"loan finding","status":"active","review_status":"checked","position":10,"tier":"C","score":67.8,"components":{"rating":97.2,"votes":74,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Core job is applying in minutes for a mortgage, refinance, HELOC, personal loan or auto loan, with pre-qualification and loan tracking.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-19T09:11:11.813Z","attempts":1,"current":true},{"verdict":"keep","reason":"Rate's core purpose is lending. Users can apply directly in the app for personal and other loans, with pre-qualification and loan tracking, which makes it a real alternative to lenders like Upstart and LendingTree. It is not just a calculator or a credit monitor.","verifier":"list check","decided_at":"2026-10-19T09:11:11.813Z","attempts":1,"current":true}]}]},"data_version":41661,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/rate-home-finance-wellness-1630195034/"}}