# 你我借款 vs 车抵贷

The clearest difference is rating: 车抵贷 at 5.0 against 你我借款's 1.0. 车抵贷 also leads on update cadence (every 4 days vs every 6 weeks). 你我借款's advantage is iOS requirement (9.0 vs 14.0). 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 1.0. Both are backed by a comparable volume of ratings — 1 and 2 respectively.

你我借款 ships an update every 6 weeks, 车抵贷 every 4 days. The most recent releases landed on August 13, 2026 and June 1, 2026 respectively.

## The numbers

| Metric | 你我借款 | 车抵贷 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/id1575174767/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/e/id6739864877/reviews)** |
| Number of ratings | 1 | **2** |
| Positive reviews | 4.8% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 4 days** |
| Monetization | Free | Free |
| Size | 117 MB | 9 MB |
| Requires iOS | **9.0** | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Dalian High-tech Park Zhongrong Credit Co., LTD](https://appshunter.io/developer/1477802356) | [Henan Nianyun Network Technology Co., Ltd.](https://appshunter.io/developer/1685094131) |

## What reviewers say

### 你我借款

[App page](https://appshunter.io/ios/app/id1575174767)

This platform offers online small loan information services for eligible individuals. It features a fully online review process, automated disbursement, and transparent fees for quick access to funds. Loan amounts range from 500 to 50,000 yuan.

**Highlights:** Online small loan information service, Loan amounts from 500-50,000 yuan, Apply with ID and bank card, Fully online review and fast disbursement, Flexible loan amounts, Information privacy

**Features:** macOS Compatibility, 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 你我借款 free?

你我借款 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, 你我借款 or 车抵贷?

车抵贷 is rated higher. 你我借款 averages 1.0 out of 5 from 1 ratings, while 车抵贷 averages 5.0 from 2 ratings.

### Do 你我借款 or 车抵贷 have ads?

Neither 你我借款 nor 车抵贷 shows ads.

### Which is updated more often, 你我借款 or 车抵贷?

你我借款 ships an update every 6 weeks, and 车抵贷 every 4 days. Most recently, 你我借款 was updated on August 13, 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.*