# Instantpay vs Bear Loan Calculator

The clearest difference is rating: Bear Loan Calculator at 4.7 against Instantpay's 1.1. Bear Loan Calculator also leads on update cadence (every 2 weeks vs monthly) and ratings volume (60 vs 19). Instantpay's advantage is in-app purchases (none vs 3) and ads (none vs shown). 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. Instantpay asks for nothing beyond the download.

Bear Loan Calculator holds the better App Store score, 4.7 against 1.1. Both are backed by a comparable volume of ratings — 19 and 60 respectively.

Instantpay ships an update monthly, Bear Loan Calculator every 2 weeks. Both last shipped on October 19, 2026.

## The numbers

| Metric | Instantpay | Bear Loan Calculator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.1 (19 ratings)](https://appshunter.io/ios/app/instantpay/id6444669672/reviews) | **[4.7 (60 ratings)](https://appshunter.io/ios/app/bear-loan-calculator/id6457632665/reviews)** |
| Number of ratings | 19 | **60** |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 94 MB | 30 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Instantpay India Limited](https://appshunter.io/developer/945609486) | [娜 杨](https://appshunter.io/developer/1700983284) |

## What reviewers say

### Instantpay

[App page](https://appshunter.io/ios/app/instantpay/id6444669672)

A comprehensive business banking solution designed to streamline financial operations. Manage accounts, process payments, track expenses, and access loans all in one digital platform. Ideal for businesses of all sizes seeking efficient money management.

**Highlights:** Smart current account for simplified banking, Connect and manage existing bank accounts, Send and receive payments via all methods, Bulk payouts and one-click payments, Payment links and QR code collections, Contactless cards for expense management, Collateral-free business loans

**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 Instantpay free?

Instantpay 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.

### Which has better reviews, Instantpay or Bear Loan Calculator?

Bear Loan Calculator is rated higher. Instantpay averages 1.1 out of 5 from 19 ratings, while Bear Loan Calculator averages 4.7 from 60 ratings.

### Do Instantpay or Bear Loan Calculator have ads?

Bear Loan Calculator shows ads; Instantpay does not.

### Which is updated more often, Instantpay or Bear Loan Calculator?

Instantpay ships an update monthly, and Bear Loan Calculator every 2 weeks. Most recently, Instantpay was updated on October 19, 2026 and Bear Loan Calculator on October 19, 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.*