# Кредит на карту 0% vs Займы онлайн

The clearest difference is rating: Кредит на карту 0% at 5.0 against Займы онлайн's 3.7. Займы онлайн's advantage is ads (none vs shown) and update cadence (fortnightly vs every 4 months). On price, ratings volume, 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 на карту 0% holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 6 and 3 respectively. Written reviews complicate that: 83% of Кредит на карту 0%'s written reviews are positive against 100% of Займы онлайн's, so the app with the better star average is not the one people write more warmly about.

Кредит на карту 0% ships an update every 4 months, Займы онлайн fortnightly. The most recent releases landed on October 21, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Кредит на карту 0% | Займы онлайн |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (6 ratings)](https://appshunter.io/ios/app/0-rfinance/id1612952734/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/id6463181181/reviews) |
| Number of ratings | **6** | 3 |
| Positive reviews | 82.6% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Fortnightly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 37 MB | 19 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Авион](https://appshunter.io/developer/1612952916) | [MKK Ekspress-Kredit, OOO](https://appshunter.io/developer/1704062054) |

## 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


### Займы онлайн

[App page](https://appshunter.io/ios/app/id6463181181)

Access quick financial assistance when you need it most, bridging the gap until your next paycheck. This application facilitates fast and easy loan applications from anywhere in Russia, with funds directly transferred to your bank card.

**Highlights:** Quick loan application process, Funds transferred to bank card, Available throughout Russia, Minimum repayment period of 61 days, Maximum APR of 26.05%

**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 Займы онлайн free?

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

### Which has better reviews, Кредит на карту 0% or Займы онлайн?

Кредит на карту 0% is rated higher. Кредит на карту 0% averages 5.0 out of 5 from 6 ratings, while Займы онлайн averages 3.7 from 3 ratings.

### Do Кредит на карту 0% or Займы онлайн have ads?

Кредит на карту 0% shows ads; Займы онлайн does not.

### Which is updated more often, Кредит на карту 0% or Займы онлайн?

Кредит на карту 0% ships an update every 4 months, and Займы онлайн fortnightly. Most recently, Кредит на карту 0% was updated on October 21, 2026 and Займы онлайн on October 30, 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.*