# Loans vs Dívida Zero

The clearest difference is in-app purchases: Dívida Zero at none against Loans's 4. Loans's advantage is update cadence (weekly vs every 3 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Loans sells 4 in-app purchases, starting at $9.99 per month. Dívida Zero asks for nothing beyond the download.

Loans ships an update weekly, Dívida Zero every 3 months. The most recent releases landed on October 4, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | Loans | Dívida Zero |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 84.6% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 months |
| Monetization | Freemium | — |
| Size | 46 MB | 47 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Deusdete Filho](https://appshunter.io/developer/883223723) | [Julio Cesar Lima de Jesus Lemos](https://appshunter.io/developer/1632737264) |

## What reviewers say

### Loans

[App page](https://appshunter.io/ios/app/loans-manage-control/id6755940795)

Easily track borrowed money and items with a smart installment system and detailed contact management. Organize all your financial transactions and loan histories in one place.

**Highlights:** Register money or goods loans, Control amounts, start, and due dates, Organize by custom categories, Smart installment system with interest, Track installment status, Manage contacts and loan history per person

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Assinatura Mensal | $9.99 | per month |
| Assinatura Semestral | $49.99 | per 6 months |
| Assinatura Anual | $69.99 | per year |
| Assinatura Vitalícia | $69.99 | one-time |


### Dívida Zero

[App page](https://appshunter.io/ios/app/divida-zero/id6759846781)

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

**In-app purchases:** none


## Frequently asked questions

### Is Loans free?

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

### Is Dívida Zero free?

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

### Do Loans or Dívida Zero have ads?

Neither Loans nor Dívida Zero shows ads.

### Which is updated more often, Loans or Dívida Zero?

Loans ships an update weekly, and Dívida Zero every 3 months. Most recently, Loans was updated on October 4, 2026 and Dívida Zero on October 6, 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.*