中邮钱包 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.
中邮钱包
This app offers pure credit cash loans and various financial services. It provides a simple way to borrow money with high limits and fast approval. Additionally, users can check their provident fund, social security, transaction history, and educational qualifications.
- Pure credit cash loans
- Loan amounts up to 200,000 RMB
- Fast approval and disbursement
- Check provident fund
- Check social security balance
- Query transaction history
- Check educational qualifications
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【贷款、借钱、生活服务】 中邮钱包是中邮消费金融有限公司官方推出的移动金融平台，提供现金货款以及生活服务。 中邮消费金融有限公司是由中国邮政储蓄银行作为主要出资人发起成立的全国性持牌消费金融机构。 钱的问题．就找“中邮钱包”。最高可申请20万元，年化利率（单利）7.2%-23.76%！ 「联系我们」 支付宝搜索生活号“中邮消费金融”，微信关注“中邮消费金融”。 联系电话：40066-95580。 「温馨提示」 贷款额度、贷款利率、放款时间等以实际审批结果为准。 贷款只能用于日常消费，不得用于买房、买车、炒股及经营投资。 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: 中邮钱包 at 4.6 against 海尔消费金融's 4.0. 中邮钱包 also leads on review sentiment (100% vs 88%) and ratings volume (28K vs 4.2K). 海尔消费金融's advantage is iOS requirement (13.0 vs 15.0). On price, update cadence, 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.
中邮钱包 holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: 中邮钱包 has 28K ratings behind it against 4.2K, so its average is the more settled of the two. Written reviews point the same way: 100% of 中邮钱包's written reviews are positive against 88% of 海尔消费金融's.
中邮钱包 ships an update fortnightly, 海尔消费金融 every 3 weeks. The most recent releases landed on October 17, 2026 and October 15, 2026 respectively.
| Parameter | 中邮钱包 | 海尔消费金融 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (28K ratings) — better | 4.0 (4.2K ratings) |
| Positive reviews | 100.0% of reviews — better | 87.5% of reviews |
| Number of ratings | 28K — better | 4.2K |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 190 MB | 83 MB |
| Age rating | 17+ | 17+ |
| Developer | 中邮消费金融有限公司 | 海尔消费金融有限公司 |
Customer experience
中邮钱包
海尔消费金融
In-app purchases
中邮钱包
No in-app purchases
海尔消费金融
No in-app purchases
