# Pay P.S. Займы онлайн на карту vs Кредит на карту 0%

The clearest difference is ads: Pay P.S. Займы онлайн на карту at none against Кредит на карту 0%'s shown. Pay P.S. Займы онлайн на карту also leads on monetization model (ad-supported vs free with in-app purchases) and update cadence (every 2 months vs every 4 months). Кредит на карту 0%'s advantage is rating (5.0 vs 4.8) and device support (3 vs 1). On price, review sentiment, in-app purchases and iOS requirement there is nothing between them.

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

Кредит на карту 0% holds the better App Store score, 5.0 against 4.8. Both are backed by a comparable volume of ratings — 23 and 5 respectively. Written reviews point the same way: 78% of Pay P.S. Займы онлайн на карту's written reviews are positive against 83% of Кредит на карту 0%'s.

Pay P.S. Займы онлайн на карту ships an update every 2 months, Кредит на карту 0% every 4 months. The most recent releases landed on September 25, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Pay P.S. Займы онлайн на карту | Кредит на карту 0% |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (23 ratings)](https://appshunter.io/ios/app/pay-ps/id1502360637/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/0-rfinance/id1612952734/reviews)** |
| Number of ratings | **23** | 5 |
| Positive reviews | 78.4% of reviews | **82.6% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 2 months** | Every 4 months |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 37 MB | 37 MB |
| Requires iOS | 16.6 | **15.6** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [ZAIM ONLAIN, OOO MFO](https://appshunter.io/developer/1147096700) | [Авион](https://appshunter.io/developer/1612952916) |

## 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


### 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 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 Кредит на карту 0% free?

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

### Which has better reviews, Pay P.S. Займы онлайн на карту or Кредит на карту 0%?

Кредит на карту 0% is rated higher. Pay P.S. Займы онлайн на карту averages 4.8 out of 5 from 23 ratings, while Кредит на карту 0% averages 5.0 from 5 ratings.

### Do Pay P.S. Займы онлайн на карту or Кредит на карту 0% have ads?

Кредит на карту 0% shows ads; Pay P.S. Займы онлайн на карту does not.

### Which is updated more often, Pay P.S. Займы онлайн на карту or Кредит на карту 0%?

Pay P.S. Займы онлайн на карту ships an update every 2 months, and Кредит на карту 0% every 4 months. Most recently, Pay P.S. Займы онлайн на карту was updated on September 25, 2026 and Кредит на карту 0% on September 23, 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.*