海尔消费金融 vs 万卡
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！
万卡
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.
- 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
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万卡是一款循环额度的信用贷款信息服务平台，凭身份证+银行卡即可在线申请，快速审批，额度至高可达20万。 【产品介绍】 1.额度高 额度最高可达200000元（以实际审批额度为准），可以循环使用 2.放款快 实时在线审批，效率高 3.申请方便 凭身份证+银行卡即可快速申请，线上操作 4.还款灵活 支持随借随还/定期还款 5.利息低 按日计息，息费透明 【温馨提示】实际额度以审批结果为准，请珍视信用，按时还款，勿过度举债
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Verdict
The clearest difference is rating: 万卡 at 4.6 against 海尔消费金融's 4.0. 万卡 also leads on ratings volume (321K vs 4.2K). 海尔消费金融's advantage is ads (none vs shown) and review sentiment (88% vs 59%). On price, in-app purchases and device support 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.
万卡 holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: 万卡 has 321K 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 59% of 万卡'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, 万卡 every 2 months. The most recent releases landed on September 24, 2026 and September 26, 2026 respectively.
| Parameter | 海尔消费金融 | 万卡 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (4.2K ratings) | 4.6 (321K ratings) — better |
| Positive reviews | 87.5% of reviews — better | 58.8% of reviews |
| Number of ratings | 4.2K | 321K — better |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 11.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 116 MB | 52 MB |
| Age rating | 17+ | 17+ |
| Developer | 海尔消费金融有限公司 | Guangxi Wanka Artificial Intelligence Technology Co., Ltd |
Customer experience
海尔消费金融
万卡
In-app purchases
海尔消费金融
No in-app purchases
万卡
No in-app purchases
