# CobrApp vs Dívida Zero

The clearest difference is in-app purchases: Dívida Zero at none against CobrApp's 12. Dívida Zero also leads on ads (none vs shown). CobrApp's advantage is update cadence (weekly vs every 3 months). On price, device support and iOS requirement there is nothing between them.

Both are free to download. CobrApp sells 12 in-app purchases, starting at $12.99 per month. Dívida Zero asks for nothing beyond the download.

CobrApp ships an update weekly, Dívida Zero every 3 months. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | CobrApp | Dívida Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (65 ratings)](https://appshunter.io/ios/app/cobrapp-loan-management/id1620770032/reviews)** | — |
| Number of ratings | **65** | — |
| Positive reviews | 72.7% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Every 3 months |
| Monetization | Free with in-app purchases | — |
| Size | 95 MB | 47 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | +4 | 4+ |
| Developer | [YIBIHUGE S A S BIC](https://appshunter.io/developer/1525024121) | [Julio Cesar Lima de Jesus Lemos](https://appshunter.io/developer/1632737264) |

## What reviewers say

### CobrApp

[App page](https://appshunter.io/ios/app/cobrapp-loan-management/id1620770032)

This app streamlines loan collection for lenders and collectors. It allows for quick logging of payments, generation of professional receipts, and comprehensive management of loan books, all while offering cloud backup and multi-currency support.

**Highlights:** Log payments in 3 taps, Generate professional PDF receipts, Manage loan book with real-time updates, Automatic cloud backup, Multi-currency support, Route and collector management, Offline functionality

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

**In-app purchases (12)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Plan - Monthly | $12.99 | per month |
| Team 5 Mensual | $19.99 | per month |
| Plan Individual | $23.99 | per 3 months |
| Plan Equipo 10 - Mensual | $29.99 | per month |
| Empresarial Mensual | $49.99 | per month |
| Plan Equipo 5 - Trimestral | $54.99 | per 3 months |
| Plan Equipo 10 - Trimestral | $82.99 | per 3 months |
| Premium Plan - Yearly | $89.99 | per year |
| Empresarial Trimestral | $134.99 | per 3 months |
| Team 5 Anual | $174.99 | per year |
| Plan Equipo 10 - Anual | $259.99 | per year |
| Empresarial Anual | $439.99 | per year |


### Dívida Zero

[App page](https://appshunter.io/ios/app/divida-zero/id6759846781)

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

**In-app purchases:** none


## Frequently asked questions

### Is CobrApp free?

CobrApp is free to download, with in-app purchases available.

### Is Dívida Zero free?

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

### Do CobrApp or Dívida Zero have ads?

CobrApp shows ads; Dívida Zero does not.

### Which is updated more often, CobrApp or Dívida Zero?

CobrApp ships an update weekly, and Dívida Zero every 3 months. Most recently, CobrApp was updated on October 30, 2026 and Dívida Zero on October 28, 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.*