Comparison

Topay vs 苏宁任性贷

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Topay

Features
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Topay 今日支付,今日澳洲旗下金融服务产品,为澳大利亚华人提供生活账单缴费、购物退税等服务。 BPAY账单缴纳: 可通过支付宝、微信支付和银联支付等方式,来使用人民币支付澳洲账单。 今日支付与澳洲的主流电子账单支付系统 BPAY 达成了战略合作,支持支付超过45,000家 BPAY 合作商家账单,涵盖所有热门账单类型,如学费、水电煤、网络通讯、物业费、交通费、罚单等等。 购物退税: Topay 给用户提供便捷、高效、值得信赖的购物退税体验。无论您是游客还是代购,只要您在澳洲消费了符合条件的商品,就可以通过 Topay 轻松申请合法退回 GST(商品及服务税)。Topay 与中澳银行合作,开启自助退税新模式,让您享受海外购物的乐趣。 更多金融服务,即将到来,敬请关注。

About

苏宁任性贷

Features
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任性贷—星图金融(原苏宁金融)旗下官方信用贷产品,为用户提供方便、快捷、安全的借款服务,资金周转就找任性贷。 产品特点: 1.申请便捷:线上申请,最高额度 20万元,审核快至20秒; 2.息费透明:年化利率7.2%起,借1万元利息一天2元起; 3.灵活借还:支持多种还款方式,最长可分12期慢慢还; 4.安全借款:个人信息全程加密,为您提供全程保护。 限时福利: 1.【新人30天免息】:即日起至2025年12月31日,首次申请开通任性贷的用户,开通成功随机返30天借款优惠券(随机再送5~50元无门槛支付券);每种奖品数量有限,发完即止,具体活动细则以APP内展示为准。 2.【抽5万提额机会】:即日起至2025年12月31日,用户可参与抽奖赢5万元任性贷专属额度(需保证账户开通且正常使用)、2万元任性贷专属额度、7天借款免息券、2%任性贷还款返现券等奖品;每种奖品数量有限,发完即止,具体活动细则以APP内展示为准。 3.【任性贴息天天领券】即日起至2025年12月31日,已开通任性贷的用户可限量抢借款优惠券,其中5折借款优惠券、30天免息券每天限量领取; 5天借款优惠券、7天借款优惠券、15天借款优惠券仅限任性贷开通未使用用户领取;每种奖品数量有限,发完即止,具体活动细则以APP内展示为准。 风险提示:贷款额度、放款时间、通过率等以实际审批为准;贷款有风险,借款需谨慎,请根据个人能力合理贷款。 欢迎微信关注“苏宁任性花”公众号,更多最新福利活动等你来玩。

Screenshots

Topay3 screens
苏宁任性贷4 screens

Verdict

The call

The clearest difference is iOS requirement: 苏宁任性贷 at 11.0 against Topay's 13.0. 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Topay ships an update every 5 weeks, 苏宁任性贷 every 4 weeks. The most recent releases landed on September 10, 2026 and July 6, 2026 respectively.

Scorecard1 real difference · 5 level
Topay versus 苏宁任性贷: the parameters behind the verdict, then further details
ParameterTopay苏宁任性贷
PriceFreeFree
Update frequencyEvery 5 weeksEvery 4 weeks — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.011.0 — better
Further details — not scored
Size44 MB89 MB
Age rating4+17+
DeveloperMedia Today Group Pty Ltd南京星联数字技术有限公司

In-app purchases

None

Topay

No in-app purchases

None

苏宁任性贷

No in-app purchases

Questions

Is Topay free?
Topay is free to download, with no in-app purchases.
Is 苏宁任性贷 free?
苏宁任性贷 is free to download, with no in-app purchases.
Do Topay or 苏宁任性贷 have ads?
Neither Topay nor 苏宁任性贷 shows ads.
Which is updated more often, Topay or 苏宁任性贷?
Topay ships an update every 5 weeks, and 苏宁任性贷 every 4 weeks. Most recently, Topay was updated on September 10, 2026 and 苏宁任性贷 on July 6, 2026.

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