海尔消费金融 vs 美易借钱
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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！
美易借钱
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【产品介绍】 美易借钱（原国美易卡），结合线上线下场景，利用人工智能和大数据风控技术，为用户提供方便、快捷、安心的创新金融服务。借款额度高至20万、年化利率低至7.2%、还款周期最长12期，审批通过率高至95%，真正解决资金周转、信用借款难题！ 【产品特点】 1、 额度高：最高达20万，免抵押 2、 审批快：快至1分钟放款 3、 灵活借：可分12期，期限灵活无压力 4、 安全强：7年稳定运营，息费透明、信息安全 5、 可循环：一次授信，循环使用，年化利率低至7.2% 【关于我们】 美易借钱（原国美易卡）作为金融科技代表企业，以保护金融消费者合法权益为目的，将消费者权益保护纳入公司治理、企业文化建设和经营发展战略，积极开展金融知识科普、反诈骗、遏制“反催收”黑产等各类活动，多次与北京刑侦总队、互联网及金融反诈联盟进行合作，开展“侦美联动，反诈同行”、“警企联动，共筑反诈战线”等各类反诈宣传活动，积极探索“反诈+消保”创新宣传模式，切实保护消费者权益。 【联系我们】 官方联系方式：400-8133-233 （工作时间：09:00-18:00）
Screenshots
Verdict
The clearest difference is rating: 海尔消费金融 at 4.0 against 美易借钱's 2.9. 海尔消费金融 also leads on iOS requirement (11.0 vs 13.0). 美易借钱's advantage is ratings volume (27K vs 4.2K). On price, review sentiment, update cadence and ads 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.
海尔消费金融 holds the better App Store score, 4.0 against 2.9. That said, the two scores are not equally well evidenced: 美易借钱 has 27K ratings behind it against 4.2K, so its average is the more settled of the two. Written reviews complicate that: 88% of 海尔消费金融's written reviews are positive against 91% of 美易借钱's, so the app with the better star average is not the one people write more warmly about.
海尔消费金融 ships an update every 3 weeks, 美易借钱 every 2 weeks. The most recent releases landed on September 24, 2026 and September 26, 2026 respectively.
| Parameter | 海尔消费金融 | 美易借钱 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (4.2K ratings) — better | 2.9 (27K ratings) |
| Positive reviews | 87.5% of reviews | 91.3% of reviews — better |
| Number of ratings | 4.2K | 27K — better |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 11.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 116 MB | 103 MB |
| Age rating | 17+ | 4+ |
| Developer | 海尔消费金融有限公司 | GOME Financial Holdings Investment CO., LTD |
Customer experience
海尔消费金融
美易借钱
In-app purchases
海尔消费金融
No in-app purchases
美易借钱
No in-app purchases
