# 招联好期贷 vs 海尔消费金融

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.

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.

## The numbers

| Metric | 招联好期贷 | 海尔消费金融 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (47K ratings)](https://appshunter.io/ios/app/id1048502460/reviews)** | [4.0 (4.2K ratings)](https://appshunter.io/ios/app/app/id1129104892/reviews) |
| Number of ratings | **47K** | 4.2K |
| Positive reviews | 86.4% of reviews | **87.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 121 MB | 116 MB |
| Requires iOS | 13.0 | **11.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [招联消费金融股份有限公司](https://appshunter.io/developer/978599334) | [海尔消费金融有限公司](https://appshunter.io/developer/1067158120) |

## What reviewers say

### 招联好期贷

[App page](https://appshunter.io/ios/app/id1048502460)

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.

**Highlights:** 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

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

**In-app purchases:** none


### 海尔消费金融

[App page](https://appshunter.io/ios/app/app/id1129104892)

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.

**Highlights:** 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

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

**In-app purchases:** none


## Frequently asked questions

### Is 招联好期贷 free?

招联好期贷 is free to download, with no in-app purchases.

### Is 海尔消费金融 free?

海尔消费金融 is free to download, with no in-app purchases.

### Which has better reviews, 招联好期贷 or 海尔消费金融?

招联好期贷 is rated higher. 招联好期贷 averages 4.8 out of 5 from 47K ratings, while 海尔消费金融 averages 4.0 from 4.2K ratings.

### Do 招联好期贷 or 海尔消费金融 have ads?

Neither 招联好期贷 nor 海尔消费金融 shows ads.

### Which is updated more often, 招联好期贷 or 海尔消费金融?

招联好期贷 ships an update every 3 months, and 海尔消费金融 every 3 weeks. Most recently, 招联好期贷 was updated on September 26, 2026 and 海尔消费金融 on September 24, 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.*