随借 vs U钱包
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
随借
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内容提要 随借app由红星美凯龙控股旗下红星小贷倾力研发，专注服务家居行业的中小微企业，为其打造实惠、高效、灵活的全线上信用贷款解决方案。 产品特色 1)低：年化利率低至7.8% 2)快：资料齐全，最快1小时放款 3)简：资料简，全线上操作 关于红星小贷 上海黄浦红星小额贷款有限公司(以下简称“红星小贷”)成立于2016年8月15日，经上海市金融办批准可在全国开展小额贷款业务。公司注册资本3亿元, 控股股东红星美凯龙控股集团有限公司亦是家居行业A+H上市龙头企业红星美凯龙家居集团股份有限公司（以下简称“红星美凯龙”） 控股股东。基于对家居行业的解读，红星小贷提供的家居供应链金融产品覆盖家具建材品牌工厂、上游供应商以及下游经销商，针对中小微企业轻资产的特点，红星小贷的贷款产品以信用贷款为主，贷款期限2个月至一年，且信用贷款综合年利率低至7.8%。 客服电话： 021-60256898（工作日9:00 - 17:30）
U钱包
This app offers a convenient way to apply for personal loans through your mobile device. It provides flexible repayment options and uses machine-driven approval for efficiency and security. Borrow amounts range from 10,000 to 30,000 yuan with competitive interest rates.
- Loan amounts from 10,000-30,000 yuan
- Low interest rates from 0.021%
- Flexible monthly repayment options
- Online application with facial recognition
- Machine-driven approval process
- Big data risk control for security
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【产品简介】 U钱包是一款个人借款推荐服务APP。手机一站式申请匹配模式可有效降低申请时间和借款成本。 【产品特点】 1、额度10000元-30000元。 2、利率低至0.021%， 降低还款压力。 3、还款方式 可根据个人需要灵活选择还款方式，支持按月还款。 4、线上操作 淘宝实名用户， “刷脸”识别，足不出户即可申请，方便快捷。 5、机器审批 无人工干预，根据评级，提升额度，更高效。 6、大数据风控 拥有严格的风控团队和先进的网络安全技术，基于全方位大数据审批测评，让您借款更安心。 【联系我们】 客服热线：4006849188 U钱包，优享利率。 借贷有风险，勿过度借贷
Screenshots
Verdict
The clearest difference is iOS requirement: 随借 at 10.0 against U钱包's 12.0. On price, update cadence, 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.
随借 ships an update every 4 weeks, U钱包 every 5 weeks. The most recent releases landed on September 19, 2026 and September 10, 2026 respectively.
| Parameter | 随借 | U钱包 |
|---|---|---|
| Price | Free | Free |
| Rating | — | 1.0 (1 ratings) — better |
| Number of ratings | — | 1 — better |
| Update frequency | Every 4 weeks — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 10.0 — better | 12.0 |
| Further details — not scored | ||
| Size | 72 MB | 39 MB |
| Age rating | 4+ | 4+ |
| Developer | 上海黄浦红星小额贷款有限公司 | 德云晟小额贷款股份有限公司 |
In-app purchases
随借
No in-app purchases
U钱包
No in-app purchases
