Comparison

Bear Loan Calculator vs Sercus Pay

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

Head to head
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

About

Sercus Pay

Features
Read full description

Sercus Pay is a digital payment platform that rewards you every time you spend. Whether you’re shopping at your favorite local business or trying something new, Sercus makes in-person payment fast, secure, and rewarding. How it works • Pay in seconds by scanning a merchant’s QR code with your phone at supported locations. • Get up to 30% off your purchase automatically at checkout • Earn points and cashback with every transaction • Redeem your points and cashback on your next visit. • Track your rewards in real time Why You’ll Love It Instant Saving – Enjoy automatic discounts at checkout, up to 30%. Real Rewards – Earn points and cashback on every purchase. Fast and Secure Payment – Pay with just your phone. No contact, no hassle. Track Everything – View your rewards, history, and savings in one place. Support Local businesses: Discover and pay at stores near you that accept Sercus Pay. Download Sercus Pay and start saving the smart way. Pay. Save. Earn. Repeat

Screenshots

Bear Loan Calculator4 screens
Sercus Pay3 screens

Verdict

The call

The clearest difference is in-app purchases: Sercus Pay at none against Bear Loan Calculator's 3. Sercus Pay also leads on ads (none vs shown). Bear Loan Calculator's advantage is update cadence (every 2 weeks vs every 6 weeks). 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. Sercus Pay asks for nothing beyond the download.

UpkeepUpdate frequency

Bear Loan Calculator ships an update every 2 weeks, Sercus Pay every 6 weeks. The most recent releases landed on October 27, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 6 level
Bear Loan Calculator versus Sercus Pay: the parameters behind the verdict, then further details
ParameterBear Loan CalculatorSercus Pay
PriceFreeFree
Rating4.7 (61 ratings) — better—
Number of ratings61 — better—
Update frequencyEvery 2 weeks — betterEvery 6 weeks
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.5 — better
Further details — not scored
Size30 MB50 MB
Age rating4+17+
Developer娜 杨Sercus Inc.

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
None

Sercus Pay

No in-app purchases

Questions

Is Bear Loan Calculator free?
Bear Loan Calculator is free to download, with in-app purchases available.
Is Sercus Pay free?
Sercus Pay is free to download, with no in-app purchases.
Do Bear Loan Calculator or Sercus Pay have ads?
Bear Loan Calculator shows ads; Sercus Pay does not.
Which is updated more often, Bear Loan Calculator or Sercus Pay?
Bear Loan Calculator ships an update every 2 weeks, and Sercus Pay every 6 weeks. Most recently, Bear Loan Calculator was updated on October 27, 2026 and Sercus Pay on October 30, 2026.

Other comparisons