星图金融 vs 魔借
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。
魔借
This platform connects users with lenders for small loans, offering a convenient online application process. It features a broad user base, data-driven approval, flexible loan amounts and terms, and multiple repayment options.
- Online loan application
- Lender matching service
- Data-driven approval process
- Loan amounts from 3,000 to 30,000
- Loan terms from 3 to 18 months
- Multiple repayment options
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【产品介绍】 魔借是一款借款端撮合工具，在线申请，线上撮合，签约放款。 【产品优势】 操作便捷：覆盖人群广泛，足不出户即可申请。 大数据审批：拥有严格的风控团队，基于全方位大数据测评。 多种选择：额度3000-3万元，期限3-18个月。 还款便利：多种还款方式，支持按周、按月还款。 【联系我们】 官方微信：魔姐 Mojie_dianrong 客服热线：4006849188 (借贷有风险，勿过度借贷)
Screenshots
Verdict
The clearest difference is review sentiment: 星图金融 at 68% against 魔借's 0%. 星图金融 also leads on rating (4.7 vs 3.0) and ads (none vs shown). 魔借's advantage is iOS requirement (9.0 vs 13.0). On price, update cadence, in-app purchases and device support 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.
星图金融 holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: 星图金融 has 128K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 68% of 星图金融's written reviews are positive against 0% of 魔借's.
星图金融 ships an update monthly, 魔借 every 6 weeks. The most recent releases landed on September 27, 2026 and September 8, 2026 respectively.
| Parameter | 星图金融 | 魔借 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (128K ratings) — better | 3.0 (4 ratings) |
| Positive reviews | 67.6% of reviews — better | 0.0% of reviews |
| Number of ratings | 128K — better | 4 |
| Update frequency | Monthly — better | Every 6 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | — | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 9.0 — better |
| Further details — not scored | ||
| Size | 119 MB | 53 MB |
| Age rating | 17+ | 4+ |
| Developer | Shanghai STAR ATLAS Financial Services Group Co., Ltd. | 德云晟小额贷款股份有限公司 |
Customer experience
星图金融
魔借
In-app purchases
星图金融
No in-app purchases
魔借
No in-app purchases
