# 平安消费金融 vs 车抵贷

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.

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.

## The numbers

| Metric | 平安消费金融 | 车抵贷 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (5 ratings)](https://appshunter.io/ios/app/id1516206989/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/e/id6739864877/reviews)** |
| Number of ratings | **5** | 2 |
| Positive reviews | 58.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 4 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 65 MB | 9 MB |
| Requires iOS | **13.0** | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [平安消费金融有限公司](https://appshunter.io/developer/1516206988) | [Henan Nianyun Network Technology Co., Ltd.](https://appshunter.io/developer/1685094131) |

## What reviewers say

### 平安消费金融

[App page](https://appshunter.io/ios/app/id1516206989)

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.

**Highlights:** 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%

**Features:** Vision Pro support

**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 平安消费金融 free?

平安消费金融 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, 平安消费金融 or 车抵贷?

车抵贷 is rated higher. 平安消费金融 averages 3.4 out of 5 from 5 ratings, while 车抵贷 averages 5.0 from 2 ratings.

### Do 平安消费金融 or 车抵贷 have ads?

Neither 平安消费金融 nor 车抵贷 shows ads.

### Which is updated more often, 平安消费金融 or 车抵贷?

平安消费金融 ships an update every 3 weeks, and 车抵贷 every 4 days. Most recently, 平安消费金融 was updated on September 22, 2026 and 车抵贷 on June 1, 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.*