Comparison

国美金融 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.

Head to head
About

国美金融

This platform offers a range of financial services including consumer loans, wealth management, and business financing. It leverages technology and risk control to connect users with financial institutions and provide tailored financial solutions.

Highlights
  • Consumer loans
  • Wealth management services
  • Business financing
  • Financial technology services
  • Smart investment advisor
  • Gold buyback
Features
Read full description

【关于国美金融】 国美金融为国美控股旗下从事金融发展与投资业务的战略管控平台,依托现有零售场景及产业链资源优势,采取灵活快速的战略,紧绕国美“家 生活”核心战略,构建包括消费金融、财富管理、企业融资、支付业务等四大产品品牌体系,锐意创新,致力推动普惠金融在中国的发展。 【金融科技服务提供商】 以科技为支撑,以风控为核心,以客户为资源,通过对接并筛选海量客群,为金融机构输出适配流量,做金融科技服务提供商,适配流量供应商。 【消费金融】 取现消费、公积金贷款、门店分期、在线商城分期 【财富管理】 银行精选、黄金回购、智能投顾、金条饰品、家电清洗

About

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.

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
Read full description

【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

国美金融3 screens
海尔消费金融3 screens

Verdict

The call

The clearest difference is update cadence: 海尔消费金融 at every 3 weeks against 国美金融's every 2 months. 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

国美金融 ships an update every 2 months, 海尔消费金融 every 3 weeks. The most recent releases landed on August 16, 2026 and September 24, 2026 respectively.

Scorecard1 real difference · 9 level
国美金融 versus 海尔消费金融: the parameters behind the verdict, then further details
Parameter国美金融海尔消费金融
PriceFreeFree
Rating—4.0 (4.2K ratings) — better
Positive reviews80.0% of reviews87.5% of reviews — better
Number of ratings—4.2K — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.011.0 — better
Further details — not scored
Size138 MB116 MB
Age rating17+17+
DeveloperGOME Financial Holdings Investment CO., LTD海尔消费金融有限公司

Customer experience

国美金融

Written reviews20 reviews
Positive80.0%
Neutral0.0%
Negative20.0%

海尔消费金融

All ratings2 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews24 reviews
Positive87.5%
Neutral0.0%
Negative12.5%

In-app purchases

None

国美金融

No in-app purchases

None

海尔消费金融

No in-app purchases

Questions

Is 国美金融 free?
国美金融 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.
Do 国美金融 or 海尔消费金融 have ads?
Neither 国美金融 nor 海尔消费金融 shows ads.
Which is updated more often, 国美金融 or 海尔消费金融?
国美金融 ships an update every 2 months, and 海尔消费金融 every 3 weeks. Most recently, 国美金融 was updated on August 16, 2026 and 海尔消费金融 on September 24, 2026.

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