# Bear Loan Calculator vs Sercus Pay

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.

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.

Bear Loan Calculator ships an update every 2 weeks, Sercus Pay every 6 weeks. Both last shipped on October 30, 2026.

## The numbers

| Metric | Bear Loan Calculator | Sercus Pay |
| --- | --- | --- |
| 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 | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 6 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 30 MB | 50 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [娜 杨](https://appshunter.io/developer/1700983284) | [Sercus Inc.](https://appshunter.io/developer/1833644881) |

## What reviewers say

### 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 |


### Sercus Pay

[App page](https://appshunter.io/ios/app/sercus-pay/id6751137892)

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

**In-app purchases:** none


## Frequently asked 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 30, 2026 and Sercus Pay on October 30, 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.*