“do not use them everything is false and misleading. I signed up because it said free trial but it was not charged my card $1.99 AND $29.99 and told me to request refund through Google play I am beyond mad”
Independent automated assessment · 3 signal sources · 722 reviews scanned · analyzed 2026-10-04.
4.4 ★115,491 ratings
500K+Downloads
17+Age rating
169 MBApp size
Free · In-app purchasesIn-app purchases
About this app
BORROW, LEND AND GROW, ALL IN ONE APP.
Life 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.
NEED EXTRA CASH RIGHT NOW?
Secure an instant $200 advance in those low-balance moments. No credit check. No paperwork. No judgment. Just extra cash when you need it.
WANT TO BORROW MORE?
Request 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.
HATE SURPRISE FEES?
So 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.…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
This analysis describes version 26.7.1 of the app, analyzed 2026-10-04 . The app may have changed since.
The store currently lists version 26.7.1, updated 2026-09-09.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to at least 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Says how to cancel
Themes reported by reviewers
3 or more themes reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
65–79% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
Context 1
Measured and published because a reader would want to know — deliberately not a charge. The measurement alone does not show a harm.
Cheapest and priciest options are far apart
The disclosed in-app purchases span an unusually wide price range. Published as context: the cheapest and priciest items may be different kinds of product entirely, so the spread alone deducts nothing.
What we saw: In-app purchases run from USD 1.99 to USD 399.99 — a 201x spread across 7 items
One source only — shown, not confirmed 4
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Trial converts to a charge
The free trial demands a payment method up front and/or rolls into a paid subscription with no usable warning.
What we saw: Trial converts to a charge: raised by 5 distinct reviewers (0.7% of 722 reviews scanned)
Reported by users: Hard to cancel
Cancelling the subscription is blocked, hidden, multi-step, or simply does not take effect.
What we saw: Hard to cancel: raised by 5 distinct reviewers (0.7% of 722 reviews scanned)
Reported by users: Tracking and data collection concerns
The app ships session-recording or a wide tracking stack, holds permissions that read personal data, or is reported by users to sell, leak or over-collect it. The evidence line says which of those was observed.
What we saw: Data & privacy concerns: raised by 16 distinct reviewers (2.2% of 722 reviews scanned)
Reported by users: Reports that the ads misrepresent the app
Reviewers repeatedly report that the app is not what its advertising showed. We never see the ad creative itself, so nothing we collect can corroborate or refute this — it is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Misleading advertising: raised by 10 distinct reviewers (1.4% of 722 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“I was supposed to get a 3 free trial but it charged me immediately. not cool.”
“Trial — I canceled my subscription before the free trial was over but I have a pending charge for the subscription so now I can’t download anything else, so I do not like this app never got an offer and didn’t help me at all”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 26.7.1.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Items shown7
Lowest$1.99
Highest$399.99
Monthly Subscription$1.99
Balance Guard Subs - Monthly$3.99
LenmePredict Monthly$49.99
Annual Subscription$9.99
Balance Guard Subs - Annual$29.99
Show 2 more purchases
LenmePredict Annual$399.99
$0.99 LenmePredict$1.99
Google Play does not publish per-purchase prices.