# Кредит на карту 0% vs Займы онлайн

The clearest difference is rating: Кредит на карту 0% at 5.0 against Займы онлайн's 4.0. Кредит на карту 0% also leads on device support (3 vs 1) and iOS requirement (15.6 vs 17.0). Займы онлайн's advantage is update cadence (every 2 weeks vs every 4 months) and monetization model (ad-supported vs free with in-app purchases). On price, ratings volume, ads 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% holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 6 and 4 respectively.

Кредит на карту 0% ships an update every 4 months, Займы онлайн every 2 weeks. The most recent releases landed on October 21, 2026 and October 7, 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)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/id6790469708/reviews) |
| Number of ratings | **6** | 4 |
| Positive reviews | 82.6% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 4 months | **Every 2 weeks** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 37 MB | 9 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Авион](https://appshunter.io/developer/1612952916) | [MERGA, OOO](https://appshunter.io/developer/6790469710) |

## 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/id6790469708)

Quickly apply for a loan online by filling out a short form. Approved funds can be transferred directly to your bank card. Applications are processed 24/7, with decisions typically made within minutes.

**Highlights:** Fast loan application, Funds transferred to bank card, 24/7 application processing, Quick decision-making, Individual loan terms

**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 4.0 from 4 ratings.

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

Both Кредит на карту 0% and Займы онлайн show ads.

### 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 every 2 weeks. Most recently, Кредит на карту 0% was updated on October 21, 2026 and Займы онлайн on October 7, 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.*