星图金融 vs 万卡
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
星图金融
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星图金融（原苏宁金融）作为一款集贷款、理财、支付、保险、便民生活服务于一体的综合性平台，致力于为普通用户、企业商户、持牌金融机构提供全方位、一体化的综合金融服务。在这里，你可以： 【轻松借钱】 额度高至20万，线上申请，审核快至20秒 年化利率4.8%至24%（单利），领券至高免息30天 【稳健理财】 持牌专业金融平台，优质金融机构深度合作 精选理财、基金、保险等优质产品，助力财富增值 【便民生活】 生活大小事，一站全掌握！地铁5折起，话费折扣多；秒还信用卡、灵活转账，让生活更省心，让支付更便捷！ 秒还信用卡：0手续费，天天打卡必得6元信用卡还款金 积分抵话费：积分当钱花，直抵话费！额外可得5元话费券 【精彩活动】 天天领现金：做任务领金币，无门槛随时提现，连玩30天必得10元 积分当钱花：签到赚积分，1积分起兑大牌，爆款单品包邮到家 【联系我们】 在您使用过程中遇到任何问题，可联系客服热线95177。 温馨提示：贷款实际额度、利率以系统审批为准，贷款有风险，请根据个人能力合理借贷，避免逾期。营销活动具体细则以APP内活动规则为准，产品历史业绩仅供参考，市场有风险，投资需谨慎。
万卡
This platform offers a revolving credit line for personal loans, accessible with just an ID and bank card. It provides quick online approval for amounts up to 200,000 yuan, with flexible repayment options and transparent, low daily interest rates.
- Revolving credit line
- High loan amounts up to 200,000 yuan
- Fast online approval
- Easy application with ID and bank card
- Flexible repayment options
- Low daily interest rates
- Transparent fees
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万卡是一款循环额度的信用贷款信息服务平台，凭身份证+银行卡即可在线申请，快速审批，额度至高可达20万。 【产品介绍】 1.额度高 额度最高可达200000元（以实际审批额度为准），可以循环使用 2.放款快 实时在线审批，效率高 3.申请方便 凭身份证+银行卡即可快速申请，线上操作 4.还款灵活 支持随借随还/定期还款 5.利息低 按日计息，息费透明 【温馨提示】实际额度以审批结果为准，请珍视信用，按时还款，勿过度举债
Screenshots
Verdict
The clearest difference is ads: 星图金融 at none against 万卡's shown. 星图金融 also leads on update cadence (monthly vs every 2 months) and review sentiment (68% vs 59%). On price, rating, ratings volume 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.
On the App Store both sit at effectively the same score — 4.7 for 星图金融 against 4.6 for 万卡. Both are backed by a comparable volume of ratings — 128K and 321K respectively. Written reviews are what separate them: 68% of 星图金融's written reviews are positive against 59% of 万卡's.
星图金融 ships an update monthly, 万卡 every 2 months. Both last shipped on September 26, 2026.
| Parameter | 星图金融 | 万卡 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (128K ratings) — better | 4.6 (321K ratings) |
| Positive reviews | 67.6% of reviews — better | 58.8% of reviews |
| Number of ratings | 128K | 321K — better |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | — | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 119 MB | 52 MB |
| Age rating | 17+ | 17+ |
| Developer | Shanghai STAR ATLAS Financial Services Group Co., Ltd. | Guangxi Wanka Artificial Intelligence Technology Co., Ltd |
Customer experience
星图金融
万卡
In-app purchases
星图金融
No in-app purchases
万卡
No in-app purchases
