# Zero vs Bad Credit? No Problem!

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 (#95 vs unranked). On price, ads, device support and iOS requirement there is nothing between them.

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.

## The numbers

| Metric | Zero | Bad Credit? No Problem! |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.5 (1.1K ratings)](https://appshunter.io/ios/app/bad-credit-no-problem/id1518821090/reviews)** |
| Number of ratings | — | **1.1K** |
| Positive reviews | — | 75.1% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 days | **Daily** |
| Monetization | — | Free with in-app purchases |
| Best chart rank | — | **#95** |
| Size | 67 MB | 259 MB |
| Requires iOS | **11.0** | 12.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [IdeateGames](https://appshunter.io/developer/446654404) | [FOORBYTES, LLC](https://appshunter.io/developer/315391501) |

## What reviewers say

### Zero

[App page](https://appshunter.io/ios/app/zero-sum/id1479299524)

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

**In-app purchases:** none


### Bad Credit? No Problem!

[App page](https://appshunter.io/ios/app/bad-credit-no-problem/id1518821090)

**Currently charting:** #95 Top Free · Strategy, #207 Top Free · Simulation (US App Store)

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.

**Highlights:** Title loan agent simulation, Decision-making gameplay, Ethical dilemmas, Survival mode, Halloween event, Cloud saving

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Buy Hints x10 | $0.99 | one-time |
| Cash Doubler | $1.99 | one-time |
| Buy Hints x30 | $2.49 | one-time |
| Buy Hints x50 | $3.99 | one-time |

**What reviewers like**

- 🚀 Enjoyable gameplay
- 👍 Simple yet challenging
- 🎨 Appealing pixel art style
- 💰 No ads or pay-to-win mechanics
- 🕹️ Reminds players of Papers, Please

**What reviewers complain about**

- 🐛 Occasional bugs and glitches
- ⏱️ Strict time limits and limited retries
- 🔁 Repetitive and can get monotonous
- 🤔 Some unclear or confusing mechanics

**Reported bugs**

- Inconsistent income requirements
- Issues with correctly identifying valid applications

**Requested features**

- 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


## Frequently asked questions

### Is Zero free?

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

### Is Bad Credit? No Problem! free?

Bad Credit? No Problem! is free to download, with in-app purchases available.

### Do Zero or Bad Credit? No Problem! have ads?

Neither Zero nor Bad Credit? No Problem! shows ads.

### Which is updated more often, Zero or Bad Credit? No Problem!?

Zero ships an update every 2 days, and Bad Credit? No Problem! daily. Most recently, Zero was updated on September 28, 2026 and Bad Credit? No Problem! on October 15, 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.*