# Кредит на карту 0% vs Свет КСК

The clearest difference is ads: Свет КСК at none against Кредит на карту 0%'s shown. Свет КСК also leads on monetization model (free vs free with in-app purchases) and update cadence (monthly vs every 4 months). On price, rating, ratings volume and in-app purchases there is nothing between them.

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

On the App Store both sit at effectively the same score — 5.0 for Кредит на карту 0% against 5.0 for Свет КСК. Both are backed by a comparable volume of ratings — 5 and 3 respectively.

Кредит на карту 0% ships an update every 4 months, Свет КСК monthly. The most recent releases landed on September 23, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | Кредит на карту 0% | Свет КСК |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (5 ratings)](https://appshunter.io/ios/app/0-rfinance/id1612952734/reviews) | [5.0 (3 ratings)](https://appshunter.io/ios/app/id6444723387/reviews) |
| Number of ratings | **5** | 3 |
| Positive reviews | 82.6% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 37 MB | 57 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Авион](https://appshunter.io/developer/1612952916) | [ПАО «Калужская сбытовая компания»](https://appshunter.io/developer/1656398806) |

## What reviewers say

### 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


### Свет КСК

[App page](https://appshunter.io/ios/app/id6444723387)

Manage your electricity bills and payments for residential and non-residential properties. Easily submit meter readings, view your balance, and pay bills without leaving home. Opt for paperless billing and email notifications.

**Highlights:** Add personal accounts, Submit meter readings, Pay bills without commission, View balance and account info, Subscribe to e-bills, Opt-out of paper bills

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

**In-app purchases:** none


## Frequently asked questions

### Is Кредит на карту 0% free?

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

### Is Свет КСК free?

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

### Which has better reviews, Кредит на карту 0% or Свет КСК?

Кредит на карту 0% and Свет КСК are both rated 5.0 out of 5 on the App Store, from 5 and 3 ratings respectively.

### Do Кредит на карту 0% or Свет КСК have ads?

Кредит на карту 0% shows ads; Свет КСК does not.

### Which is updated more often, Кредит на карту 0% or Свет КСК?

Кредит на карту 0% ships an update every 4 months, and Свет КСК monthly. Most recently, Кредит на карту 0% was updated on September 23, 2026 and Свет КСК on September 25, 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.*