# Pay P.S. Займы онлайн на карту vs Смсфинанс

The clearest difference is review sentiment: Pay P.S. Займы онлайн на карту at 78% against Смсфинанс's 41%. Смсфинанс's advantage is monetization model (free vs ad-supported). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Pay P.S. Займы онлайн на карту ships an update every 2 months, Смсфинанс monthly. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Pay P.S. Займы онлайн на карту | Смсфинанс |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (23 ratings)](https://appshunter.io/ios/app/pay-ps/id1502360637/reviews)** | — |
| Number of ratings | **23** | — |
| Positive reviews | **78.4% of reviews** | 40.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Ad-supported | **Free** |
| Size | 37 MB | 39 MB |
| Requires iOS | 16.6 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [ZAIM ONLAIN, OOO MFO](https://appshunter.io/developer/1147096700) | [4FINANS, OOO MFO](https://appshunter.io/developer/1265004449) |

## What reviewers say

### Pay P.S. Займы онлайн на карту

[App page](https://appshunter.io/ios/app/pay-ps/id1502360637)

Get quick online loans and microloans up to 100,000 rubles. Receive funds urgently without calls, references, or guarantors. Enjoy super conditions, discounts, and promotions for regular clients.

**Highlights:** Online loans up to 100,000 rubles, No calls, references, or guarantors, Automatic verification, Funds transferred to any bank card, Multiple repayment options, Low minimum APR

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

**In-app purchases:** none


### Смсфинанс

[App page](https://appshunter.io/ios/app/id1569031313)

Get quick loans directly to your card or bank account. The application process is fast, with decisions made in 5-10 minutes. Access funds anytime with transparent terms and no hidden fees.

**Highlights:** Fast loan decisions (5-10 minutes), Funds transferred to card, wallet, or account, Requires only Russian passport for registration, View contract before receiving loan, No commission for early loan closure, 24/7 availability, Support via chat and phone

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

**In-app purchases:** none


## Frequently asked questions

### Is Pay P.S. Займы онлайн на карту free?

Pay P.S. Займы онлайн на карту is free to download, with no in-app purchases.

### Is Смсфинанс free?

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

### Do Pay P.S. Займы онлайн на карту or Смсфинанс have ads?

Neither Pay P.S. Займы онлайн на карту nor Смсфинанс shows ads.

### Which is updated more often, Pay P.S. Займы онлайн на карту or Смсфинанс?

Pay P.S. Займы онлайн на карту ships an update every 2 months, and Смсфинанс monthly. Most recently, Pay P.S. Займы онлайн на карту was updated on October 29, 2026 and Смсфинанс on October 24, 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.*