海尔消费金融 vs 维信卡卡贷
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！
维信卡卡贷
This app offers personal credit solutions through online applications with partner financial institutions. It provides high loan limits, fast disbursement, and flexible repayment terms, emphasizing security and privacy with data encryption.
- High loan limits up to 200,000
- Fast disbursement, as quick as 5 minutes
- Flexible repayment terms (3, 6, 9, 12 months)
- Online application with no collateral
- Secure data encryption and privacy protection
- Transparent interest rates starting from 7% APR
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【大品牌】港股上市公司，十六年积淀 【更安全】多重数据加密，隐私保护更放心 【额度高】息费透明，灵活借款。年利率7%~24%，借一万元12期最低日息1.94元 维信卡卡贷携手持牌金融机构为客户提供个人信贷解决方案，纯线上操作。 维信卡卡贷，您的信用卫士！ 【产品优势】 易申请——在线即可申请，无抵押贷款，操作简单便捷！ 额度高——最高20万额度，所获额度有效期内可循环使用；还款记录优良，还可获得提额机会。 放款快——智能匹配资方，审批通过后最快5分钟放款；微信或APP随时随地申请还款！（资金合作方：中国对外经济贸易信托有限公司等） 期限多——还款方式灵活，可分3、6、9、12个月还款。 更安全——多重数据加密，多重隐私保护。智能系统，保障您的资金安全。-- 【联系我们】 微信公众号：维信卡卡贷 客服电话：400-160-1666 温馨提示：贷款有风险,借款需谨慎;请根据个人经济能力合理贷款,合理消费,避免逾期；贷款额度、利率、放款时间以实际审核为准。
Screenshots
Verdict
The clearest difference is rating: 海尔消费金融 at 4.0 against 维信卡卡贷's 3.7. 维信卡卡贷's advantage is update cadence (every 10 days vs every 3 weeks) and ratings volume (14K vs 4.2K). On price, review sentiment, ads and in-app purchases 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 3.7. Both are backed by a comparable volume of ratings — 4.2K and 14K respectively. Written reviews complicate that: 88% of 海尔消费金融's written reviews are positive against 91% of 维信卡卡贷'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, 维信卡卡贷 every 10 days. The most recent releases landed on October 15, 2026 and October 11, 2026 respectively.
| Parameter | 海尔消费金融 | 维信卡卡贷 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (4.2K ratings) — better | 3.7 (14K ratings) |
| Positive reviews | 87.5% of reviews | 90.9% of reviews — better |
| Number of ratings | 4.2K | 14K — better |
| Update frequency | Every 3 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 83 MB | 63 MB |
| Age rating | 17+ | 17+ |
| Developer | 海尔消费金融有限公司 | VISION CREDIT GUARANTY CO.,LTD |
Customer experience
海尔消费金融
维信卡卡贷
In-app purchases
海尔消费金融
No in-app purchases
维信卡卡贷
No in-app purchases
