# Займ vs Кредит Plus

The clearest difference is rating: Кредит Plus at 5.0 against Займ's 3.4. Кредит Plus also leads on review sentiment (88% vs 54%) and iOS requirement (12.0 vs 15.2). Займ's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, update cadence, 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.

Кредит Plus holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: Займ has 15 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 54% of Займ's written reviews are positive against 88% of Кредит Plus's.

Займ ships an update monthly, Кредит Plus every 2 months. The most recent releases landed on September 23, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | Займ | Кредит Plus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (15 ratings)](https://appshunter.io/ios/app/id1561042134/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/plus/id1600641202/reviews)** |
| Number of ratings | **15** | 3 |
| Positive reviews | 54.3% of reviews | **87.5% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | **Free** | Ad-supported |
| Size | 31 MB | 46 MB |
| Requires iOS | 15.2 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Займ-Экспресс, ООО](https://appshunter.io/developer/1561042136) | [AURUS, OOO](https://appshunter.io/developer/1600641204) |

## What reviewers say

### Займ

[App page](https://appshunter.io/ios/app/id1561042134)

Get quick cash loans directly to your card through a mobile app. Submit applications easily, receive funds rapidly, and manage repayments conveniently. Enjoy exclusive offers and discounts available only to app users.

**Highlights:** Loans to card, Quick application, Faster application review, Instant fund transfer, Easy repayment, Exclusive app promotions

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast loan approval and disbursement
- 👍 Easy and convenient application process
- 👍 User-friendly interface
- 👍 App works quickly
- 👍 App is helpful in emergencies

**What reviewers complain about**

- 💸 High commissions and interest rates
- 💸 Deceptive practices regarding interest and fees
- 💸 Unfairly calculated interest
- 💸 Inability to cancel insurance
- 💸 Poor customer support knowledge

**Reported bugs**

- App and website not working
- Application process freezes or doesn't proceed
- Loan funds not disbursed after approval
- Payments not being credited correctly
- Account blocked without reason

**Requested features**

- Allow loan discount for overdue payments
- Option to withdraw provided data
- More transparent fee structure
- Better handling of payments made through third parties (e.g., bailiffs)
- Improved customer support training


### Кредит Plus

[App page](https://appshunter.io/ios/app/plus/id1600641202)

Get quick online loans for any need. This app offers transparent and secure microloans with no hidden fees. Apply easily and receive funds directly to your card.

**Highlights:** Quick online loans, Microloans to card, Transparent terms, No hidden fees, 24/7 availability, Fast application process

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

**In-app purchases:** none


## Frequently asked questions

### Is Займ free?

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

### Is Кредит Plus free?

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

### Which has better reviews, Займ or Кредит Plus?

Кредит Plus is rated higher. Займ averages 3.4 out of 5 from 15 ratings, while Кредит Plus averages 5.0 from 3 ratings.

### Do Займ or Кредит Plus have ads?

Кредит Plus shows ads; Займ does not.

### Which is updated more often, Займ or Кредит Plus?

Займ ships an update monthly, and Кредит Plus every 2 months. Most recently, Займ was updated on September 23, 2026 and Кредит Plus on September 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.*