海尔消费金融 vs 中银消费金融
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！
中银消费金融
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信用服务美好生活！ 一、【平台介绍】 中银消费金融有限公司成立于2010年6月，作为国有持牌金融机构，中银消费金融坚持党建引领，持续践行“以人民为中心”的发展理念，经过多年在消费金融行业的深耕细作，为广大客户提供简单、便捷、专业、灵活的消费融资服务。多年的优秀行业实践积淀出“党建引领、双轮驱动、金融科技、市场品牌”等优势，深入推进高质量发展。 二、【产品优势】 1、最高20万额度，支持在线申请，进度实时查询。 2、线下专人跟进，1对1客户经理全面对接，省力省心。 3、还款信息随时可查，更有一键还款功能。 三、【联系我们】 官方网站：www.boccfc.cn 官方微信：中银消费金融（微信号：boccfc） 客服电话：95137 四、【特别提醒】 此App为中银消费金融有限公司唯一官方App，请您切勿通过微信、QQ、短消息等附带的下载链接盲目下载非正规应用市场发布的App。 中银消费金融不会通过个人向您收取任何费用，也不会要求您将钱款转入个人账户，请您注意防范金融诈骗风险，或可拨打95137客服电话进行咨询。
Screenshots
Verdict
The clearest difference is rating: 海尔消费金融 at 4.0 against 中银消费金融's 2.8. 海尔消费金融 also leads on ratings volume (4.2K vs 545). 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 2.8. That said, the two scores are not equally well evidenced: 海尔消费金融 has 4.2K ratings behind it against 545, 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 90% of 中银消费金融'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, 中银消费金融 every 2 weeks. The most recent releases landed on October 15, 2026 and October 13, 2026 respectively.
| Parameter | 海尔消费金融 | 中银消费金融 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (4.2K ratings) — better | 2.8 (545 ratings) |
| Positive reviews | 87.5% of reviews | 90.0% of reviews — better |
| Number of ratings | 4.2K — better | 545 |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 83 MB | 172 MB |
| Age rating | 17+ | 17+ |
| Developer | 海尔消费金融有限公司 | 中银消费金融有限公司 |
Customer experience
海尔消费金融
中银消费金融
In-app purchases
海尔消费金融
No in-app purchases
中银消费金融
No in-app purchases
