星图金融 vs 有钱花
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。
有钱花
This platform offers high loan amounts up to 200,000 RMB with transparent interest rates starting at 6.6% APR. It provides fast online application, with approvals as quick as 30 seconds and funds disbursed in as little as 1 minute. Personal information is encrypted for security.
- High loan limits up to 200,000 RMB
- Transparent interest rates from 6.6% APR
- Flexible repayment up to 24 months
- Fast online application and approval
- Quick fund disbursement
- Secure personal information encryption
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【产品优势】 1、贷款额度高：最高可至20万元(以实际审批为准)。 2、息费透明：年化利率6.6%起，支持多种还款途径，最长可分24期。 3、审批放款速度快：在线申请，最快30秒审批，最快1分钟到账。 4、借款安全：个人信息全程加密，为您提供全程保护。 温馨提示： 借贷有风险，选择需谨慎。具体贷款利率、额度、期限以实际审批为准(年化利率区间6.6%-24%)，资金来源：重庆度小满小额贷款有限公司及合作金融机构。
Screenshots
Verdict
The clearest difference is rating: 星图金融 at 4.7 against 有钱花's 4.3. On price, review sentiment, ratings volume and update cadence 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 4.3. Both are backed by a comparable volume of ratings — 128K and 98K respectively. Written reviews point the same way: 68% of 星图金融's written reviews are positive against 66% of 有钱花's.
星图金融 ships an update monthly, 有钱花 fortnightly. Both last shipped on October 13, 2026.
| Parameter | 星图金融 | 有钱花 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (128K ratings) — better | 4.3 (98K ratings) |
| Positive reviews | 67.6% of reviews — better | 65.7% of reviews |
| Number of ratings | 128K — better | 98K |
| Update frequency | Monthly | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 119 MB | 167 MB |
| Age rating | 17+ | 17+ |
| Developer | Shanghai STAR ATLAS Financial Services Group Co., Ltd. | Chongqing Duxiaoman Information Technology Co.Ltd |
Customer experience
星图金融
有钱花
In-app purchases
星图金融
No in-app purchases
有钱花
No in-app purchases
