平安消费金融 vs 车抵贷
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
平安消费金融
This app provides personal revolving consumer credit loans, allowing users to borrow money quickly and conveniently through a mobile-first process. It offers flexible loan amounts and 24/7 access to funds, with interest only charged on amounts used.
- Personal revolving credit loans
- Fast mobile application process
- Loan amounts from 500 to 200,000 RMB
- 24/7 borrowing access
- Interest only on used funds
- Annual interest rates from 4%-24%
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平安小橙花是平安消费金融有限公司推出的个人循环消费信用贷款产品，平安小橙花，助您小有所成！ 【关于平安消费金融】平安消费金融有限公司（简称"平安消费金融"）经国家金融监督管理总局（原中国银保监会）批准在上海成立，是一家可为用户提供全方位消费金融服务的全国性科技型消费金融公司。 【操作流程快】全程手机线上操作，简单3步，快速借款，授信额度随时可用，可借额度100元-20万元。 【随时借款】24小时随时借款，不动用不计息。 【联系我们】 官方微信：平安消费金融（ID: pinganxfjr) 官方抖音：平安消费金融（抖音号：PingAnCF) 官方网站：www.pacfc.com 客服热线：400-026-6666 特别提醒： 贷款有风险，借款需谨慎，请根据个人能力合理借款，理性消费，避免逾期。 您所获得的出借人发放的借款不得用于投资房市、股市、期货或者其他股本权益性投资。 平安消费金融不会通过个人向您收取费用，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400-026-6666客服电话进行咨询。 借款额度、放款时间、利息等请以实际审批结果为准。 年化利率（单利）4%-24%（对应日利率0.011%-0.066%) 说明：实际利率需要根据客户资信情况确定。
车抵贷
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.
- 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
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车主贷，官方车主服务，汽车贷款，全国覆盖，0服务费！ -正规银行等机构放款！不押车，利率低，期限长！专业的汽车金融服务平台！ 【产品特点】 1、额度高：额度3万～100万元（以实际审批为准） 2、申请易：手机线上申请，填写资料简单； 3、正规化：由银行直接提供资金服务，持牌机构安全无忧； 4、分期还：正规银行服务，可借款分期还款； 5、费息透明：年化利率6%起（单利），无额外手续费（具体以实际以审核为准）； 6、申请门槛：23-55周岁车主，有车人群凭真是有效个人信息和手机号就可以申请； 【关于我们】 融悦车主贷（简称：车主贷）融悦集团旗下产品，为有需要的客户和金融机构提供全流程科技以及服务，正规持牌金融机构，资金和隐私安全有保证。车主贷提供的金融机构信贷产品额度高、还款方式多样灵活，流程透明简单方便快捷，帮您解决经济问题！ 【风险提示】 -贷款有风险，借款需谨慎； -最终贷款额度、利率、放款时间等以资金方实际审批结果为准； -请根据个人能力合理贷款，理性消费，避免逾期。
Screenshots
Verdict
The clearest difference is rating: 车抵贷 at 5.0 against 平安消费金融's 3.4. 车抵贷 also leads on monetization model (free vs free with in-app purchases) and update cadence (every 4 days vs every 3 weeks). On price, ratings volume, 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.
车抵贷 holds the better App Store score, 5.0 against 3.4. Both are backed by a comparable volume of ratings — 5 and 2 respectively.
平安消费金融 ships an update every 3 weeks, 车抵贷 every 4 days. The most recent releases landed on September 22, 2026 and June 1, 2026 respectively.
| Parameter | 平安消费金融 | 车抵贷 |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (5 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 58.3% of reviews | — |
| Number of ratings | 5 — better | 2 |
| Update frequency | Every 3 weeks | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 65 MB | 9 MB |
| Age rating | 17+ | 17+ |
| Developer | 平安消费金融有限公司 | Henan Nianyun Network Technology Co., Ltd. |
Customer experience
平安消费金融
车抵贷
In-app purchases
平安消费金融
No in-app purchases
车抵贷
No in-app purchases
