# 万达普惠 vs 万卡

万达普惠 and 万卡 both sit at 4.7 stars, but that hides the real split: 96% of 万达普惠's written reviews are positive against 59% of 万卡's. 万达普惠 also leads on ads (none vs shown) and update cadence (every 3 weeks vs every 2 months). 万卡's advantage is ratings volume (321K vs 15K). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.7 for 万达普惠 against 4.6 for 万卡. That said, the two scores are not equally well evidenced: 万卡 has 321K ratings behind it against 15K, so its average is the more settled of the two. Written reviews are what separate them: 96% of 万达普惠's written reviews are positive against 59% of 万卡's.

万达普惠 ships an update every 3 weeks, 万卡 every 2 months. The most recent releases landed on November 7, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | 万达普惠 | 万卡 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (15K ratings)](https://appshunter.io/ios/app/id1117322012/reviews)** | [4.6 (321K ratings)](https://appshunter.io/ios/app/id1192163634/reviews) |
| Number of ratings | 15K | **321K** |
| Positive reviews | **95.8% of reviews** | 58.8% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | — | Ad-supported |
| Size | 138 MB | 52 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [上海万达网络金融服务有限公司](https://appshunter.io/developer/1676212621) | [Guangxi Wanka Artificial Intelligence Technology Co., Ltd](https://appshunter.io/developer/1220728275) |

## What reviewers say

### 万达普惠

[App page](https://appshunter.io/ios/app/id1117322012)

**Features:** macOS Compatibility

**In-app purchases:** none


### 万卡

[App page](https://appshunter.io/ios/app/id1192163634)

This platform offers a revolving credit line for personal loans, accessible with just an ID and bank card. It provides quick online approval for amounts up to 200,000 yuan, with flexible repayment options and transparent, low daily interest rates.

**Highlights:** Revolving credit line, High loan amounts up to 200,000 yuan, Fast online approval, Easy application with ID and bank card, Flexible repayment options, Low daily interest rates, Transparent fees

**In-app purchases:** none


## Frequently asked questions

### Is 万达普惠 free?

万达普惠 is free to download, with no in-app purchases.

### Is 万卡 free?

万卡 is free to download, with no in-app purchases.

### Which has better reviews, 万达普惠 or 万卡?

万达普惠 is rated higher. 万达普惠 averages 4.7 out of 5 from 15K ratings, while 万卡 averages 4.6 from 321K ratings.

### Do 万达普惠 or 万卡 have ads?

万卡 shows ads; 万达普惠 does not.

### Which is updated more often, 万达普惠 or 万卡?

万达普惠 ships an update every 3 weeks, and 万卡 every 2 months. Most recently, 万达普惠 was updated on November 7, 2026 and 万卡 on November 8, 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.*