# МОТИВ.Pay vs Займ

The clearest difference is review sentiment: Займ at 54% against МОТИВ.Pay's 4%. Займ also leads on rating (3.1 vs 1.4) and ads (none vs shown). МОТИВ.Pay's advantage is iOS requirement (13.0 vs 15.2). On price, ratings volume, in-app purchases and device support there is nothing between them.

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

Займ holds the better App Store score, 3.1 against 1.4. Both are backed by a comparable volume of ratings — 14 and 17 respectively. Written reviews point the same way: 4% of МОТИВ.Pay's written reviews are positive against 54% of Займ's.

МОТИВ.Pay ships an update every 5 months, Займ monthly. The most recent releases landed on October 23, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | МОТИВ.Pay | Займ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (14 ratings)](https://appshunter.io/ios/app/pay/id965077720/reviews) | **[3.1 (17 ratings)](https://appshunter.io/ios/app/id1561042134/reviews)** |
| Number of ratings | 14 | **17** |
| Positive reviews | 3.9% of reviews | **54.3% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Ad-supported | **Free** |
| Size | 123 MB | 31 MB |
| Requires iOS | **13.0** | 15.2 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [IT-PERSPEKTIVA OOO](https://appshunter.io/developer/965077719) | [Займ-Экспресс, ООО](https://appshunter.io/developer/1561042136) |

## What reviewers say

### МОТИВ.Pay

[App page](https://appshunter.io/ios/app/pay/id965077720)

Manage your finances with this app, offering virtual card issuance, money transfers, and bill payments. Earn cashback and receive bonuses as a subscriber. Unique features allow payments directly from your phone balance.

**Highlights:** Virtual MIR card issuance, Money transfers via phone number, details, or SBP, QR code payments, Utility and service bill payments, Expense tracking, Cashback on MIR card purchases, Mobile balance payments (for subscribers)

**In-app purchases:** none


### Займ

[App page](https://appshunter.io/ios/app/id1561042134)

Get quick cash loans directly to your card through a mobile app. Submit applications easily, receive funds rapidly, and manage repayments conveniently. Enjoy exclusive offers and discounts available only to app users.

**Highlights:** Loans to card, Quick application, Faster application review, Instant fund transfer, Easy repayment, Exclusive app promotions

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast loan approval and disbursement
- 👍 Easy and convenient application process
- 👍 User-friendly interface
- 👍 App works quickly
- 👍 App is helpful in emergencies

**What reviewers complain about**

- 💸 High commissions and interest rates
- 💸 Deceptive practices regarding interest and fees
- 💸 Unfairly calculated interest
- 💸 Inability to cancel insurance
- 💸 Poor customer support knowledge

**Reported bugs**

- App and website not working
- Application process freezes or doesn't proceed
- Loan funds not disbursed after approval
- Payments not being credited correctly
- Account blocked without reason

**Requested features**

- Allow loan discount for overdue payments
- Option to withdraw provided data
- More transparent fee structure
- Better handling of payments made through third parties (e.g., bailiffs)
- Improved customer support training


## Frequently asked questions

### Is МОТИВ.Pay free?

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

### Is Займ free?

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

### Which has better reviews, МОТИВ.Pay or Займ?

Займ is rated higher. МОТИВ.Pay averages 1.4 out of 5 from 14 ratings, while Займ averages 3.1 from 17 ratings.

### Do МОТИВ.Pay or Займ have ads?

МОТИВ.Pay shows ads; Займ does not.

### Which is updated more often, МОТИВ.Pay or Займ?

МОТИВ.Pay ships an update every 5 months, and Займ monthly. Most recently, МОТИВ.Pay was updated on October 23, 2026 and Займ on October 27, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*