招联好期贷 vs 海尔消费金融
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
招联好期贷
Apply for consumer loans online with just your ID. Get approved and receive funds in as little as 1 minute. Access loan amounts up to 300,000 yuan from a licensed financial institution.
- Online application with ID
- Fast loan disbursement (as quick as 1 minute)
- High loan limits (up to 300,000 yuan)
- No collateral required
- Licensed financial institution
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招联好期贷―消费贷款，凭身份证在线申请！借款成功后最快1分钟放款！额度最高30万元！ 【平台介绍】 招联金融旗下消费贷款产品――好期贷 招联金融：由招商银行与中国联通共同组建，持牌消费金融机构。为您提供安全、专业、智能、便捷的现金借贷、分期消费贷款服务。 【产品优势】 1、申请易：线上申请，无抵押 2、速度快：快速放款，现金借款最快1分钟到账 3、额度高：可借金额最高30万元 【联系我们】 微信关注“招联金融”官方公众号，为您提供快捷便利服务！ 官方网站：www.mucfc.com 【风险提示】 ● 具体活动以活动页面展示规则为准 ● 贷款额度、放款时间以实际审批结果为准 ● 贷款有风险、借款需谨慎；请根据个人能力合理贷款，理性消费，避免逾期
海尔消费金融
This platform offers online credit loans with flexible repayment options and competitive annual interest rates. New users can enjoy special promotions, including potential interest-free periods and cash bonuses. It's a secure and transparent way to manage borrowing needs.
- Online credit loan application
- Loan amounts up to 200,000
- Repayment up to 36 months
- Annual interest rates from 7.92%
- New user promotions
- No collateral required
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【产品介绍】 海尔消费金融旗下信用分期贷款平台，审批后额度最高20万，可分36期还款，年化利率（单利）3%-24%，按日计息！ 【产品特点】 够靠谱：海尔消费金融官方出品，正规持牌消费金融机构！ 够你花：最高20万贷款额度，循环额度随借随用！ 够便捷：全程APP申请，免抵押，使用身份证+银行卡等材料即可申请！ 够透明：年化利率（单利）3%-24%，按日计息 【温馨提示】 贷款额度、放款时间、通过率等以实际审批为准。 贷款有风险，借款需谨慎；请根据个人能力合理贷款,理性消费,避免逾期。 如有问题请根据请联系我们： 官方客服电话：952955(9:00-18:00，节假日无休) 官方微信：海尔消费金融 官方小程序：海尔消费金融够花 【公司介绍】 海尔消费金融有限公司（以下称“海尔消金”）成立于2014年12月26日。是经国家金融监督管理总局批准，由海尔集团公司作为主发起人设立的全国性消费金融公司，也是我国首家由产业发起设立的产融结合消费金融公司，行业首家国家级高新技术企业。公司致力于打造以“科技+风控”为根基，“场景+现金”双布局，以用户为中心的金融平台。全程在线注册审批，便捷透明，账单清晰，随时随地解决您的借款需求！
Screenshots
Verdict
The clearest difference is rating: 招联好期贷 at 4.8 against 海尔消费金融's 4.0. 招联好期贷 also leads on ratings volume (47K vs 4.2K). 海尔消费金融's advantage is update cadence (every 3 weeks vs every 3 months) and iOS requirement (11.0 vs 13.0). On price, review sentiment, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
招联好期贷 holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: 招联好期贷 has 47K ratings behind it against 4.2K, so its average is the more settled of the two. Written reviews complicate that: 86% of 招联好期贷's written reviews are positive against 88% of 海尔消费金融's, so the app with the better star average is not the one people write more warmly about.
招联好期贷 ships an update every 3 months, 海尔消费金融 every 3 weeks. The most recent releases landed on September 26, 2026 and September 24, 2026 respectively.
| Parameter | 招联好期贷 | 海尔消费金融 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (47K ratings) — better | 4.0 (4.2K ratings) |
| Positive reviews | 86.4% of reviews | 87.5% of reviews — better |
| Number of ratings | 47K — better | 4.2K |
| Update frequency | Every 3 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 121 MB | 116 MB |
| Age rating | 17+ | 17+ |
| Developer | 招联消费金融股份有限公司 | 海尔消费金融有限公司 |
Customer experience
招联好期贷
海尔消费金融
In-app purchases
招联好期贷
No in-app purchases
海尔消费金融
No in-app purchases
