Zero vs Bad Credit? No Problem!
Price, ratings, monetisation and update history for both games, side by side — with what reviewers say about each.
Zero
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Zero-Sum is a complex macro-economics card game for multiple players. Each player runs a country and sets financial priorities, which are then played out on a global stage with or against the other players. A valid macro-economics model underpins the game, driven by the card choices of the players. Players can also alter the economic model to suit their beliefs or preferences. Players can choose to go for a competitive win (financial trade balance), or a “Economic Fairness” win (those in power are responsible for providing opportunity for those less fortunate — low unemployment and low wealth gap), or an “Industry” win, or a “Standard of Living” win (low cost of living with high consumer spend). Is it possible to achieve more than one? Play to win or play cooperatively to see how long you can keep every country solvent.
Bad Credit? No Problem!
Step into the role of a title loan agent with a 14-day probation period. Review applications, make critical decisions impacting clients' lives, and balance your boss's demands with ethical considerations. Survive probation to unlock an endless survival mode.
- Title loan agent simulation
- Decision-making gameplay
- Ethical dilemmas
- Survival mode
- Halloween event
- Cloud saving
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Welcome to Title 4 Cash. Your journey begins with a decision. Will you aid those in dire need, prove you can handle tough calls, or uncover the story behind each desperate plea? You are now a part-time title loan agent at Title 4 Cash. With only 14 days to secure a full-time position, your task is to review applications, make crucial decisions, and assist clients under the watchful eye of your demanding boss. Every choice you make could mean the difference between keeping a family in their home or pushing them further into hardship. Survive your probation, and you’ll unlock Endless Shift, a grueling survival mode where the number of applicants increases daily. How long can you endure in a world where ethics and survival collide? In a job where every decision matters, will you balance the demands of your boss with the needs of those who come to you for help? Or will the pressures of the title loan industry prove too much? Your actions will define your legacy at Title 4 Cash. Enjoy an ad-free experience as you navigate this challenging and immersive world. Halloween Event: Fright Night Files: A mysterious stranger leaves a cursed playing card on your desk. Now, you’re stuck in an eternal Halloween until every applicant is processed—or until you get fired! Cloud Saving: The game supports manual cloud saving. Just head to the options menu to upload or download your latest saves across your iOS devices.
Screenshots
Verdict
The clearest difference is in-app purchases: Zero at none against Bad Credit? No Problem!'s 4. Bad Credit? No Problem!'s advantage is update cadence (daily vs every 2 days) and chart position (#83 vs unranked). On price, ads, device support and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Bad Credit? No Problem! sells 4 one-off in-app purchases. Zero asks for nothing beyond the download.
Zero ships an update every 2 days, Bad Credit? No Problem! daily. The most recent releases landed on September 28, 2026 and October 15, 2026 respectively.
| Parameter | Zero | Bad Credit? No Problem! |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.5 (1.1K ratings) — better |
| Positive reviews | — | 75.1% of reviews |
| Number of ratings | — | 1.1K — better |
| Update frequency | Every 2 days | Daily — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | — | Free with in-app purchases |
| Best chart rank | — | #83 — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 11.0 — better | 12.0 |
| Further details — not scored | ||
| Size | 67 MB | 259 MB |
| Age rating | 4+ | 12+ |
| Developer | IdeateGames | FOORBYTES, LLC |
Bugs and requests
Zero
Not enough reviews yet to summarise bugs or requests.
Bad Credit? No Problem!
Reported bugs
2 issues- Inconsistent income requirements
- Issues with correctly identifying valid applications
Requested features
4 requests- More game modes and content updates
- Ability to skip or continue from previous days
- Improved tutorial or onboarding process
- Customization options for the office and character
In-app purchases
Zero
No in-app purchases
Bad Credit? No Problem!
- Buy Hints x10$0.99
- Cash Doubler$1.99
- Buy Hints x30$2.49
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- Buy Hints x50$3.99
Questions
Is Zero free?
Is Bad Credit? No Problem! free?
Do Zero or Bad Credit? No Problem! have ads?
Which is updated more often, Zero or Bad Credit? No Problem!?
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