# Credit.com vs Zenfi

The clearest difference is review sentiment: Zenfi at 75% against Credit.com's 33%. Zenfi also leads on ads (none vs shown) and update cadence (every 2 weeks vs every 2 months). Credit.com's advantage is in-app purchases (none vs 8) and ratings volume (7.2K vs 633). On price and monetization model there is nothing between them.

Both are free to download. Zenfi sells 8 in-app purchases, starting at $1.99 per month. Credit.com asks for nothing beyond the download.

Zenfi holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: Credit.com has 7.2K ratings behind it against 633, so its average is the more settled of the two. Written reviews point the same way: 33% of Credit.com's written reviews are positive against 75% of Zenfi's.

Credit.com ships an update every 2 months, Zenfi every 2 weeks. The most recent releases landed on September 22, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Credit.com | Zenfi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.2K ratings)](https://appshunter.io/ios/app/creditcom/id871022793/reviews) | **[4.9 (633 ratings)](https://appshunter.io/ios/app/zenfi/id1525003695/reviews)** |
| Number of ratings | **7.2K** | 633 |
| Positive reviews | 33.0% of reviews | **75.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 12 MB | 85 MB |
| Requires iOS | **13** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [Credit.com](https://appshunter.io/developer/871022796) | [Zenfi Tecnologias, S.A.P.I. de C.V.](https://appshunter.io/developer/1578523502) |

## What reviewers say

### Credit.com

[App page](https://appshunter.io/ios/app/creditcom/id871022793)

Manage your credit with a redesigned interface. Check your credit score and report summary for free, track factors affecting your credit, and receive personalized insights to improve your financial future. Monitor score changes and get actionable steps for improvement, all while protecting your data.

**Highlights:** Free credit score and report summary, Track credit score changes, Personalized insights for financial improvement, Monitor for fraud and identity theft, View credit offer eligibility, Score history tracking

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Accurate and up-to-date information
- 👍 Easy to use and navigate
- 💡 Provides mortgage scores

**What reviewers complain about**

- 🐛 Login issues and app crashes
- 🔍 Limited credit report details
- 💸 Subscription required for full features

**Reported bugs**

- Unable to login or create an account
- App freezes or stops working after updates
- Inconsistent credit score updates

**Requested features**

- Fingerprint/biometric login
- More detailed credit report information
- Ability to dispute inaccuracies directly in the app


### Zenfi

[App page](https://appshunter.io/ios/app/zenfi/id1525003695)

Understand your credit report and score for free. Access your SAT fiscal information, monitor transactions, and receive personalized tips to improve your financial health. Take control of your money with this comprehensive financial tool.

**Highlights:** Free credit report consultation, Understand and improve credit score, Access SAT fiscal information, Monitor income and expenses, Personalized financial tips, Identity theft alerts

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

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SAT Plus | $1.99 | per month |
| SAT Plus | $3.99 | per month |
| Buró Plus | $4.99 | per month |
| SAT Plus | $19.99 | per year |
| SAT Plus | $39.99 | per year |
| Buró Plus | $49.99 | per year |
| Reporte de Buró | $1.99 | one-time |
| Reporte de Buró | $2.99 | one-time |


## Frequently asked questions

### Is Credit.com free?

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

### Is Zenfi free?

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

### Which has better reviews, Credit.com or Zenfi?

Zenfi is rated higher. Credit.com averages 4.7 out of 5 from 7.2K ratings, while Zenfi averages 4.9 from 633 ratings.

### Do Credit.com or Zenfi have ads?

Credit.com shows ads; Zenfi does not.

### Which is updated more often, Credit.com or Zenfi?

Credit.com ships an update every 2 months, and Zenfi every 2 weeks. Most recently, Credit.com was updated on September 22, 2026 and Zenfi on September 23, 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.*