# Loan Access vs Zero

The clearest difference is in-app purchases: Loan Access at none against Zero's 7. Loan Access also leads on ads (none vs shown). Zero's advantage is update cadence (weekly vs every 3 months). On price, device support and iOS requirement there is nothing between them.

Both are free to download. Zero sells 7 in-app purchases, starting at $4.99 per month. Loan Access asks for nothing beyond the download.

Loan Access ships an update every 3 months, Zero weekly. The most recent releases landed on May 18, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Loan Access | Zero |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Weekly** |
| Size | 4 MB | 13 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Frieder Winterstein](https://appshunter.io/developer/1848364097) | [APPCITY Limited Liability Company](https://appshunter.io/developer/1534242389) |

## What reviewers say

### Loan Access

[App page](https://appshunter.io/ios/app/loan-access/id6754460628)

**Features:** macOS Compatibility

**In-app purchases:** none


### Zero

[App page](https://appshunter.io/ios/app/zero-debt-payoff-planner/id6781073044)

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

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Plus Monthly | $4.99 | per month |
| Zero Plus Yearly | $29.99 | per year |
| Small Tip | $2.99 | one-time |
| Medium Tip | $4.99 | one-time |
| Large Tip | $9.99 | one-time |
| Zero Plus | $14.99 | one-time |
| Zero Plus Lifetime | $49.99 | one-time |


## Frequently asked questions

### Is Loan Access free?

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

### Is Zero free?

Zero is free to download, with in-app purchases available.

### Do Loan Access or Zero have ads?

Zero shows ads; Loan Access does not.

### Which is updated more often, Loan Access or Zero?

Loan Access ships an update every 3 months, and Zero weekly. Most recently, Loan Access was updated on May 18, 2026 and Zero on October 20, 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.*