Bad Credit? No Problem! vs 20
Price, ratings, monetisation and update history for both games, side by side — with what reviewers say about each.
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
Read full descriptionHide full description
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.
20
Build the ultimate professional football roster by spinning a slot machine to draft legendary players. Simulate the season to see if your team can achieve a perfect 20-0 record. Compete with friends and players worldwide on global leaderboards.
- Slot machine player drafting
- Season simulation
- Daily challenges
- Online multiplayer
- Global leaderboards
- Roster building
Read full descriptionHide full description
Can you build a perfect season? 20-0 is the free sports draft game for fans who know their all-time greats. Spin to land on a team and an era, draft the best legend you can into each slot, then simulate the season and see if your roster wins every game. 10 SPORTS, ONE GOAL: GO UNDEFEATED • 20-0 Pro football: 17 wins plus a 3-game playoff run • 16-0 College football • 98-0 Pro basketball: all 82, then the playoffs • 40-0 College basketball • 53-0 Women's basketball • 162-0 Baseball • 100-0 Hockey: sweep the season, then chase the Cup • 18-0 Golf: win every event on the Tour • 29-0 MMA: an all-time fight card, 29 straight wins • 8-0 Soccer: draft a World Cup XI and lift the trophy HOW TO PLAY • Spin for a team (or nation) and an era • Draft the best available player into an open slot • Build a full lineup, position by position • Simulate the season, get your record and grade, and chase the perfect run GAME MODES • Classic: player stats on view as you draft • IQ modes: stats hidden, draft from memory and instinct • Daily Challenge: the same spins for everyone, once a day, plus daily mini-games. Keep your streak alive. PLAY AGAINST REAL PEOPLE • Challenge a friend to the exact same spins, head to head • Drop into public pools and play at your own pace • Climb ranked divisions against players worldwide • Enter free hourly tournaments: live single-elimination brackets with prizes • Start a private league with your friends BUILD YOUR LEGACY Create a free account to save every run, earn trophies, show off your avatar and nameplate on your profile, and climb the all-time, daily and ranked leaderboards. Think you can draft a roster of legends and run the table? Spin it up and go 20-0. 20-0 is an independent fan game. It is not affiliated with, endorsed by, or sponsored by any professional or college sports league, association, team, or players' association. Player and team names are used for identification only. Terms of Use (EULA): https://www.20-0.com/terms Privacy Policy: https://www.20-0.com/privacy
Screenshots
Verdict
The clearest difference is ads: Bad Credit? No Problem! at none against 20's shown. Bad Credit? No Problem! also leads on update cadence (daily vs every 5 days) and iOS requirement (12.0 vs 14.0). 20's advantage is rating (4.8 vs 4.5) and ratings volume (6K vs 1.2K). On price, review sentiment, in-app purchases and monetization model 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 and 20 sells 7 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
20 holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: 20 has 6K ratings behind it against 1.2K, so its average is the more settled of the two. Written reviews complicate that: 75% of Bad Credit? No Problem!'s written reviews are positive against 67% of 20's, so the app with the better star average is not the one people write more warmly about.
Bad Credit? No Problem! ships an update daily, 20 every 5 days. Both last shipped on October 24, 2026.
| Parameter | Bad Credit? No Problem! | 20 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (1.2K ratings) | 4.8 (6K ratings) — better |
| Positive reviews | 74.6% of reviews — better | 67.4% of reviews |
| Number of ratings | 1.2K | 6K — better |
| Update frequency | Daily — better | Every 5 days |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | #106 | #28 — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 259 MB | 96 MB |
| Age rating | 12+ | 4+ |
| Developer | FOORBYTES, LLC | Nicholas Baumeyer |
Customer experience
Bad Credit? No Problem!
20
Bugs and 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
20
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Bad Credit? No Problem!
- Buy Hints x10$0.99
- Cash Doubler$1.99
- Buy Hints x30$2.49
Show 1 moreShow fewer
- Buy Hints x50$3.99
20
- 20-0 Monthly Supporter$4.991 Month
- 20-0 Annual Supporter$39.991 Year
- Yards - Handful$2.49
- Yards – Stack$5.99
- Yards – Crate$11.99
Show 2 moreShow fewer
- Yards - Vault$23.99
- Yards – Hoard$59.99
Questions
Is Bad Credit? No Problem! free?
Is 20 free?
Which has better reviews, Bad Credit? No Problem! or 20?
Do Bad Credit? No Problem! or 20 have ads?
Which is updated more often, Bad Credit? No Problem! or 20?
Which is more popular, Bad Credit? No Problem! or 20?
Other comparisons















