# 海尔消费金融 vs 万卡

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.

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.

## The numbers

| Metric | 海尔消费金融 | 万卡 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (4.2K ratings)](https://appshunter.io/ios/app/app/id1129104892/reviews) | **[4.6 (321K ratings)](https://appshunter.io/ios/app/id1192163634/reviews)** |
| Number of ratings | 4.2K | **321K** |
| Positive reviews | **87.5% of reviews** | 58.8% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | **Free** | Ad-supported |
| Size | 116 MB | 52 MB |
| Requires iOS | **11.0** | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [海尔消费金融有限公司](https://appshunter.io/developer/1067158120) | [Guangxi Wanka Artificial Intelligence Technology Co., Ltd](https://appshunter.io/developer/1220728275) |

## What reviewers say

### 海尔消费金融

[App page](https://appshunter.io/ios/app/app/id1129104892)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**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 海尔消费金融 free?

海尔消费金融 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, 海尔消费金融 or 万卡?

万卡 is rated higher. 海尔消费金融 averages 4.0 out of 5 from 4.2K ratings, while 万卡 averages 4.6 from 321K ratings.

### Do 海尔消费金融 or 万卡 have ads?

万卡 shows ads; 海尔消费金融 does not.

### Which is updated more often, 海尔消费金融 or 万卡?

海尔消费金融 ships an update every 3 weeks, and 万卡 every 2 months. Most recently, 海尔消费金融 was updated on September 24, 2026 and 万卡 on September 26, 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.*