Comparison

Bad Credit? No Problem! vs 20

Price, ratings, monetisation and update history for both games, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Title loan agent simulation
  • Decision-making gameplay
  • Ethical dilemmas
  • Survival mode
  • Halloween event
  • Cloud saving
Features
Currently charting
Read 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.

About

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.

Highlights
  • Slot machine player drafting
  • Season simulation
  • Daily challenges
  • Online multiplayer
  • Global leaderboards
  • Roster building
Features
Read 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

Bad Credit? No Problem!4 screens
204 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Bad Credit? No Problem! ships an update daily, 20 every 5 days. Both last shipped on October 24, 2026.

Scorecard6 real differences · 5 level
Bad Credit? No Problem! versus 20: the parameters behind the verdict, then further details
ParameterBad Credit? No Problem!20
PriceFreeFree
Rating4.5 (1.2K ratings)4.8 (6K ratings) — better
Positive reviews74.6% of reviews — better67.4% of reviews
Number of ratings1.2K6K — better
Update frequencyDaily — betterEvery 5 days
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#106#28 — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.0 — better14.0
Further details — not scored
Size259 MB96 MB
Age rating12+4+
DeveloperFOORBYTES, LLCNicholas Baumeyer

Customer experience

Bad Credit? No Problem!

All ratings1,116 ratings
Positive86.8%
Neutral5.7%
Negative7.4%
Written reviews398 reviews
Positive74.6%
Neutral11.6%
Negative13.8%

20

All ratings5,707 ratings
Positive96.7%
Neutral1.8%
Negative1.5%
Written reviews86 reviews
Positive67.4%
Neutral3.5%
Negative29.1%

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

4 purchases

Bad Credit? No Problem!

One-time4
  • Buy Hints x10$0.99
  • Cash Doubler$1.99
  • Buy Hints x30$2.49
Show 1 more
  • Buy Hints x50$3.99
7 purchases

20

Subscriptions2
  • 20-0 Monthly Supporter$4.991 Month
  • 20-0 Annual Supporter$39.991 Year
One-time5
  • Yards - Handful$2.49
  • Yards – Stack$5.99
  • Yards – Crate$11.99
Show 2 more
  • Yards - Vault$23.99
  • Yards – Hoard$59.99

Questions

Is Bad Credit? No Problem! free?
Bad Credit? No Problem! is free to download, with in-app purchases available.
Is 20 free?
20 is free to download, with in-app purchases available.
Which has better reviews, Bad Credit? No Problem! or 20?
20 is rated higher. Bad Credit? No Problem! averages 4.5 out of 5 from 1.2K ratings, while 20 averages 4.8 from 6K ratings.
Do Bad Credit? No Problem! or 20 have ads?
20 shows ads; Bad Credit? No Problem! does not.
Which is updated more often, Bad Credit? No Problem! or 20?
Bad Credit? No Problem! ships an update daily, and 20 every 5 days. Most recently, Bad Credit? No Problem! was updated on October 24, 2026 and 20 on October 24, 2026.
Which is more popular, Bad Credit? No Problem! or 20?
Bad Credit? No Problem! currently peaks at #106 in the App Store charts, and 20 at #28. Chart position reflects recent download velocity rather than total install base.

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