# Zero vs АЮ Гарант

Zero and АЮ Гарант are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Zero ships an update every 3 weeks, АЮ Гарант monthly. Both last shipped on October 30, 2026.

## The numbers

| Metric | Zero | АЮ Гарант |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (4 ratings)](https://appshunter.io/ios/app/zero/id6738506887/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 80.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Ad-supported | — |
| Size | 207 MB | 39 MB |
| Requires iOS | **15.5** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Technologia CA](https://appshunter.io/developer/1781062573) | [Osmon Karabaev](https://appshunter.io/developer/6802197042) |

## What reviewers say

### Zero

[App page](https://appshunter.io/ios/app/zero/id6738506887)

Purchase items now and pay in installments with zero interest and no down payment. Easily apply for a credit limit through the app and manage all your purchases and payments in one place. Access a wide network of partners for various goods and services.

**Highlights:** 0% interest and down payment, Wide network of partner stores, Easy online registration and limit approval, Catalog and map view of partners, Simple financial control and payment tracking, 24/7 multi-channel customer support

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

**In-app purchases:** none


### АЮ Гарант

[App page](https://appshunter.io/ios/app/id6744581566)

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

**In-app purchases:** none


## Frequently asked questions

### Is Zero free?

Zero is free to download, with no in-app purchases.

### Is АЮ Гарант free?

АЮ Гарант is free to download, with no in-app purchases.

### Do Zero or АЮ Гарант have ads?

Neither Zero nor АЮ Гарант shows ads.

### Which is updated more often, Zero or АЮ Гарант?

Zero ships an update every 3 weeks, and АЮ Гарант monthly. Most recently, Zero was updated on October 30, 2026 and АЮ Гарант 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.*