# Кредит на карту 0% vs Карма от Скоринг Бюро

The clearest difference is ads: Карма от Скоринг Бюро at none against Кредит на карту 0%'s shown. Карма от Скоринг Бюро also leads on update cadence (every 9 days vs every 4 months) and monetization model (free vs free with in-app purchases). Кредит на карту 0%'s advantage is review sentiment (83% vs 58%) and device support (3 vs 1). On price 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.

Кредит на карту 0% ships an update every 4 months, Карма от Скоринг Бюро every 9 days. The most recent releases landed on October 21, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Кредит на карту 0% | Карма от Скоринг Бюро |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (6 ratings)](https://appshunter.io/ios/app/0-rfinance/id1612952734/reviews)** | — |
| Number of ratings | **6** | — |
| Positive reviews | **82.6% of reviews** | 57.7% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Every 9 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 37 MB | 62 MB |
| Requires iOS | **15.6** | 17.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Авион](https://appshunter.io/developer/1612952916) | [BCH SB LLC](https://appshunter.io/developer/1684204842) |

## 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


### Карма от Скоринг Бюро

[App page](https://appshunter.io/ios/app/id6448271190)

Assess your financial health with a tracker that evaluates your financial discipline over the past three years. Understand how banks view you, compare your score, and access your credit report and rating. Receive personalized recommendations to improve your financial situation.

**Highlights:** Financial health index, Factors influencing score, Improvement recommendations, Credit report and history, Credit rating and dynamics, Data security and encryption

**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 Карма от Скоринг Бюро free?

Карма от Скоринг Бюро is free to download, with no in-app purchases.

### Do Кредит на карту 0% or Карма от Скоринг Бюро have ads?

Кредит на карту 0% shows ads; Карма от Скоринг Бюро does not.

### Which is updated more often, Кредит на карту 0% or Карма от Скоринг Бюро?

Кредит на карту 0% ships an update every 4 months, and Карма от Скоринг Бюро every 9 days. Most recently, Кредит на карту 0% was updated on October 21, 2026 and Карма от Скоринг Бюро on October 19, 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.*