Comparison

Pay vs Bear Loan Calculator

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pay

Features
Read full description

Avec Pay later, proposez le paiement échelonné à vos clients en partenariat avec votre Banque. Pay later digitalise le contrôle de l’identité de vos acheteurs avant d’initier les dossiers, sécurisant les paiements échelonnés Votre banque récupère les numéros de dossiers de vos transactions automatiquement pour un suivi optimal des dossiers. Avec Pay Later, soyez assurés d’être payés !

About

Bear Loan Calculator

Easily calculate monthly loan payments, including principal and interest. Generate detailed repayment schedules, set payment reminders, and export data to Excel. Manage personal loans and mortgages effectively.

Highlights
  • Monthly loan payment calculation
  • Repayment schedule generation
  • Loan repayment reminders
  • Export amortization table to Excel
  • Supports personal loans and mortgages
  • Multiple repayment methods
Features
Read full description

Bear Loan Calculator is a powerful loan calculator app that helps users calculate their monthly loan payments, including both principal and interest. With a user-friendly interface and a variety of features, our app makes it easy to plan and manage your loan payments. With Bear Loan Calculator, you can generate a repayment schedule, which allows you to see how much you'll need to pay each month over the life of the loan. You can then save the schedule for future reference or export it to an Excel file for further analysis. Our app also allows you to add loan repayment reminders to your calendar. This way, you'll never miss a payment and can stay on top of your finances. Additionally, you can set up reminders for loan application deadlines or target repayment dates, so that you can stay on track to meet your financial goals. Features: * Supports calculations for two types of loans, personal loans and mortgages * Support 4 repayment methods, fixed interest, equal principal and interest, equal principal, interest before principal * Support saving calculation results, which can be easily viewed in the record page * Support exporting amortization table to Excel file * Support adding the repayment plan to the calendar, and set reminders, so as not to miss every repayment * No network connection is required, all functions can be used to help you save traffic In summary, Bear Loan Calculator is a must-have tool for anyone looking to manage their personal loans more effectively. Whether you're new to borrowing or a seasoned financial professional, our app has all the features you need to stay on top of your debt repayment. Terms of Use : https://c.bapps.uk/terms-of-use Privacy Policy: https://c.bapps.uk/privacy-policy

Screenshots

Pay3 screens
Bear Loan Calculator4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay at none against Bear Loan Calculator's 3. Pay also leads on ads (none vs shown). Bear Loan Calculator's advantage is update cadence (every 2 weeks vs every 2 months). On price, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Bear Loan Calculator sells 3 in-app purchases, starting at $3.99 per month. Pay asks for nothing beyond the download.

UpkeepUpdate frequency

Pay ships an update every 2 months, Bear Loan Calculator every 2 weeks. Both last shipped on November 3, 2026.

Scorecard3 real differences · 6 level
Pay versus Bear Loan Calculator: the parameters behind the verdict, then further details
ParameterPayBear Loan Calculator
PriceFreeFree
Rating—4.7 (61 ratings) — better
Number of ratings—61 — better
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNo — betterYes
In-app purchasesNo — betterYes
Monetization—Free with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size16 MB30 MB
Age rating4+4+
DeveloperVIALINK娜 杨

In-app purchases

None

Pay

No in-app purchases

3 purchases

Bear Loan Calculator

Subscriptions2
  • Pro Monthly Subscription$3.991 Month
  • Pro Yearly Subscription3 Days trial$9.991 Year
One-time1
  • Pro Version Lifetime$12.99

Questions

Is Pay free?
Pay is free to download, with no in-app purchases.
Is Bear Loan Calculator free?
Bear Loan Calculator is free to download, with in-app purchases available.
Do Pay or Bear Loan Calculator have ads?
Bear Loan Calculator shows ads; Pay does not.
Which is updated more often, Pay or Bear Loan Calculator?
Pay ships an update every 2 months, and Bear Loan Calculator every 2 weeks. Most recently, Pay was updated on November 3, 2026 and Bear Loan Calculator on November 3, 2026.

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