# Pay vs Bear Loan Calculator

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.

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.

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

## The numbers

| Metric | Pay | Bear Loan Calculator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.7 (61 ratings)](https://appshunter.io/ios/app/bear-loan-calculator/id6457632665/reviews)** |
| Number of ratings | — | **61** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | — | Free with in-app purchases |
| Size | 16 MB | 30 MB |
| Requires iOS | **15.1** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [VIALINK](https://appshunter.io/developer/471854911) | [娜 杨](https://appshunter.io/developer/1700983284) |

## What reviewers say

### Pay

[App page](https://appshunter.io/ios/app/pay-later/id1633674004)

**Features:** macOS Compatibility

**In-app purchases:** none


### Bear Loan Calculator

[App page](https://appshunter.io/ios/app/bear-loan-calculator/id6457632665)

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:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly Subscription | $3.99 | per month |
| Pro Yearly Subscription | $9.99 | per year |
| Pro Version Lifetime | $12.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*