# 考拉易分期 vs 车抵贷

The clearest difference is rating: 车抵贷 at 5.0 against 考拉易分期's 4.2. 车抵贷 also leads on update cadence (every 4 days vs every 2 months). 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 4.2. Both are backed by a comparable volume of ratings — 5 and 2 respectively.

考拉易分期 ships an update every 2 months, 车抵贷 every 4 days. The most recent releases landed on September 24, 2026 and June 1, 2026 respectively.

## The numbers

| Metric | 考拉易分期 | 车抵贷 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (5 ratings)](https://appshunter.io/ios/app/id523367437/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/e/id6739864877/reviews)** |
| Number of ratings | **5** | 2 |
| Positive reviews | 30.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 days** |
| Monetization | Free | Free |
| Size | 76 MB | 9 MB |
| Requires iOS | 15.6 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Lakala Network Technology Co.,Ltd.](https://appshunter.io/developer/1188190203) | [Henan Nianyun Network Technology Co., Ltd.](https://appshunter.io/developer/1685094131) |

## What reviewers say

### 考拉易分期

[App page](https://appshunter.io/ios/app/id523367437)

This app offers fast, low-interest loans for individuals and small businesses. It provides unsecured, pure credit loans with quick disbursement, up to 200,000 yuan, and a convenient online application process.

**Highlights:** Unsecured, pure credit loans, Fast disbursement, as quick as 15 seconds, Loan amounts up to 200,000 yuan, Online application process, Personalized loan products, Secure and compliant financial institution

**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 考拉易分期 free?

考拉易分期 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, 考拉易分期 or 车抵贷?

车抵贷 is rated higher. 考拉易分期 averages 4.2 out of 5 from 5 ratings, while 车抵贷 averages 5.0 from 2 ratings.

### Do 考拉易分期 or 车抵贷 have ads?

Neither 考拉易分期 nor 车抵贷 shows ads.

### Which is updated more often, 考拉易分期 or 车抵贷?

考拉易分期 ships an update every 2 months, and 车抵贷 every 4 days. Most recently, 考拉易分期 was updated on September 24, 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.*