海尔消费金融 vs 奇富周转灵
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！
奇富周转灵
This app provides financial technology services for small business owners and individuals, offering quick and convenient loans for various needs. It utilizes AI and big data for risk control, aiming to solve funding challenges with a simple, online application process.
- AI and big data risk control
- Loans for personal consumption, business, and travel
- Simple three-step application process
- Up to 200,000 loan limit
- Annual interest rates starting from 7.2%
- New user interest-free period up to 30 days
- Flexible installment repayment
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【产品介绍】 "奇富周转灵"是奇富科技旗下服务小微企业主及个人的信贷科技服务品牌，利用人工智能和大数据风控技术，秉承“安心周转，放心经营”品牌理念，致力于为广大用户提供安心、便捷的金融科技服务，帮助其解决资金周转问题。全面解决个人消费、企业经营、出行旅游等场景资金需求，操作简便仅需三步，即有机会享受您的专属额度，随时解决燃眉之急。持续使用，还可不断提升个人额度以及获得用户成长鼓励。 【产品优势】 1. 免息福利：新用户最长免息 30天 2. 还款灵活：灵活分期，随用随借 3. 快捷放款：快速审批，最高可借20万 4. 费率透明：年化利率（单利）7.2%起（以审核为准）； 5. 安全借款：个人信息全程加密，为您提供全程保护 6. 操作简单：全程线上申请，免抵押，凭身份证等材料即可申请 附言： 1.贷款额度、利率，放款时问以实际审核为准; 2.优惠活动仅免除部分利息，详细免息方式以APP内活动规则为准。 3.贷款有风险，借款需谨慎 4.投资有风险。
Screenshots
Verdict
The clearest difference is ratings volume: 海尔消费金融 at 4.2K against 奇富周转灵's 3. 海尔消费金融 also leads on rating (4.0 vs 3.7). 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 3.7. That said, the two scores are not equally well evidenced: 海尔消费金融 has 4.2K ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 88% of 海尔消费金融's written reviews are positive against 86% of 奇富周转灵's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 15, 2026 and October 11, 2026 respectively.
| Parameter | 海尔消费金融 | 奇富周转灵 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (4.2K ratings) — better | 3.7 (3 ratings) |
| Positive reviews | 87.5% of reviews — better | 86.4% of reviews |
| Number of ratings | 4.2K — better | 3 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| 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 | 93 MB |
| Age rating | 17+ | 17+ |
| Developer | 海尔消费金融有限公司 | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
海尔消费金融
奇富周转灵
In-app purchases
海尔消费金融
No in-app purchases
奇富周转灵
No in-app purchases
