# Помощник ОСАГО vs Кредит на карту 0%

The clearest difference is ads: Помощник ОСАГО at none against Кредит на карту 0%'s shown. Помощник ОСАГО also leads on update cadence (every 3 weeks vs every 4 months) and monetization model (free vs free with in-app purchases). Кредит на карту 0%'s advantage is review sentiment (83% vs 74%). On price, rating, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.9 for Помощник ОСАГО against 5.0 for Кредит на карту 0%. That said, the two scores are not equally well evidenced: Помощник ОСАГО has 210 ratings behind it against 6, so its average is the more settled of the two. Written reviews are what separate them: 74% of Помощник ОСАГО's written reviews are positive against 83% of Кредит на карту 0%'s.

Помощник ОСАГО ships an update every 3 weeks, Кредит на карту 0% every 4 months. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Помощник ОСАГО | Кредит на карту 0% |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (210 ratings)](https://appshunter.io/ios/app/id1472532474/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/0-rfinance/id1612952734/reviews)** |
| Number of ratings | **210** | 6 |
| Positive reviews | 74.2% of reviews | **82.6% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 138 MB | 37 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [bip.ru](https://appshunter.io/developer/1688696597) | [Авион](https://appshunter.io/developer/1612952916) |

## What reviewers say

### Помощник ОСАГО

[App page](https://appshunter.io/ios/app/id1472532474)

Compare prices from 20 insurance companies to find the most affordable OSAGO policy. Get your digital policy quickly and store it in the app. Also, pay traffic fines and check vehicle history.

**Highlights:** Compare OSAGO prices, Purchase digital OSAGO policy, Pay traffic fines, Check vehicle history, Check driver's license status, Compare KASKO offers

**Features:** macOS Compatibility

**In-app purchases:** none


### Кредит на карту 0%

[App page](https://appshunter.io/ios/app/0-rfinance/id1612952734)

Quickly obtain online loans directly to your card without visiting a bank. This finance app offers a streamlined process for microloans, making financial assistance fast, convenient, and accessible. Apply in minutes with transparent terms and conditions.

**Highlights:** Instant online loan applications, Loans directly to your card, No bank visits or extensive paperwork, Transparent terms and conditions, Quick approval process, Accessible financial assistance

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Помощник ОСАГО free?

Помощник ОСАГО is free to download, with no in-app purchases.

### Is Кредит на карту 0% free?

Кредит на карту 0% is free to download, with no in-app purchases.

### Which has better reviews, Помощник ОСАГО or Кредит на карту 0%?

Кредит на карту 0% is rated higher. Помощник ОСАГО averages 4.9 out of 5 from 210 ratings, while Кредит на карту 0% averages 5.0 from 6 ratings.

### Do Помощник ОСАГО or Кредит на карту 0% have ads?

Кредит на карту 0% shows ads; Помощник ОСАГО does not.

### Which is updated more often, Помощник ОСАГО or Кредит на карту 0%?

Помощник ОСАГО ships an update every 3 weeks, and Кредит на карту 0% every 4 months. Most recently, Помощник ОСАГО was updated on November 6, 2026 and Кредит на карту 0% on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*