# Payday Loans vs Sercus Pay

The clearest difference is update cadence: Sercus Pay at every 2 months against Payday Loans's every 34 months. Payday Loans's advantage is iOS requirement (13.4 vs 15.5). On price, ads, 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.

Payday Loans ships an update every 34 months, Sercus Pay every 2 months. The most recent releases landed on October 21, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Payday Loans | Sercus Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.4 (9 ratings)](https://appshunter.io/ios/app/payday-loans/id1511832987/reviews)** | — |
| Number of ratings | **9** | — |
| Positive reviews | 75.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 34 months | **Every 2 months** |
| Monetization | Free | — |
| Size | 24 MB | 50 MB |
| Requires iOS | **13.4** | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [TaxCash Pay It Forward](https://appshunter.io/developer/1511832986) | [Sercus Inc.](https://appshunter.io/developer/1833644881) |

## What reviewers say

### Payday Loans

[App page](https://appshunter.io/ios/app/payday-loans/id1511832987)

Access quick cash advances and personal loans directly from your smartphone, even with bad credit. Apply in minutes for urgent financial needs, with transparent terms and a user-friendly interface.

**Highlights:** Apply for loans anytime, No credit check required, Bad credit accepted, Quick cash advances, Transparent terms, Easy application process

**Features:** macOS Compatibility

**In-app purchases:** none


### Sercus Pay

[App page](https://appshunter.io/ios/app/sercus-pay/id6751137892)

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

**In-app purchases:** none


## Frequently asked questions

### Is Payday Loans free?

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

### Is Sercus Pay free?

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

### Do Payday Loans or Sercus Pay have ads?

Neither Payday Loans nor Sercus Pay shows ads.

### Which is updated more often, Payday Loans or Sercus Pay?

Payday Loans ships an update every 34 months, and Sercus Pay every 2 months. Most recently, Payday Loans was updated on October 21, 2026 and Sercus Pay on October 17, 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.*