# 魔借 vs 车抵贷

The clearest difference is rating: 车抵贷 at 5.0 against 魔借's 3.0. 车抵贷 also leads on ads (none vs shown) and update cadence (every 4 days vs every 6 weeks). 魔借's advantage is iOS requirement (9.0 vs 14.0). On price, ratings volume, 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.

车抵贷 holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 4 and 2 respectively.

魔借 ships an update every 6 weeks, 车抵贷 every 4 days. The most recent releases landed on September 24, 2026 and September 20, 2026 respectively.

## The numbers

| Metric | 魔借 | 车抵贷 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (4 ratings)](https://appshunter.io/ios/app/id1197956810/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/e/id6739864877/reviews)** |
| Number of ratings | **4** | 2 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Every 4 days** |
| Monetization | Ad-supported | **Free** |
| Size | 53 MB | 9 MB |
| Requires iOS | **9.0** | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [德云晟小额贷款股份有限公司](https://appshunter.io/developer/1464117186) | [Henan Nianyun Network Technology Co., Ltd.](https://appshunter.io/developer/1685094131) |

## What reviewers say

### 魔借

[App page](https://appshunter.io/ios/app/id1197956810)

This platform connects users with lenders for small loans, offering a convenient online application process. It features a broad user base, data-driven approval, flexible loan amounts and terms, and multiple repayment options.

**Highlights:** Online loan application, Lender matching service, Data-driven approval process, Loan amounts from 3,000 to 30,000, Loan terms from 3 to 18 months, Multiple repayment options

**Features:** macOS Compatibility

**In-app purchases:** none


### 车抵贷

[App page](https://appshunter.io/ios/app/e/id6739864877)

This app provides car owners with loan services, offering high loan amounts and flexible repayment options. It features a simple online application process with transparent fees and is backed by reputable financial institutions.

**Highlights:** High loan amounts (30,000 - 1,000,000 CNY), Simple online application, Low annual interest rates from 6%, No additional service fees, Flexible installment payments, Funds from regulated banks

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is 魔借 free?

魔借 is free to download, with no in-app purchases.

### Is 车抵贷 free?

车抵贷 is free to download, with no in-app purchases.

### Which has better reviews, 魔借 or 车抵贷?

车抵贷 is rated higher. 魔借 averages 3.0 out of 5 from 4 ratings, while 车抵贷 averages 5.0 from 2 ratings.

### Do 魔借 or 车抵贷 have ads?

魔借 shows ads; 车抵贷 does not.

### Which is updated more often, 魔借 or 车抵贷?

魔借 ships an update every 6 weeks, and 车抵贷 every 4 days. Most recently, 魔借 was updated on September 24, 2026 and 车抵贷 on September 20, 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.*