星图金融 vs 极融借款
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。
极融借款
This platform offers quick, online loan applications with no collateral required. It provides transparent interest rates and allows users to track their loan progress easily. Get access to funds up to 200,000 yuan with smart, efficient approval processes.
- High loan limits up to 200,000 yuan
- Easy online application, no collateral needed
- Smart and efficient approval process
- Real-time tracking of loan progress
- Transparent annual interest rates from 7.2% to 24%
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【产品特点】 1、额度高：额度最高20万元 2、申请易：线上申请，无抵押 3、效率高：智能审核 4、操作易：借款进度随时可查 5、费息透明：年化利率7.2%-24%（单利），实际以审核为准 【关于我们】 极融APP运用互联网安全技术和大数据技术，基于海量用户信用数据及行为数据为有需求的用户提供方便、稳定、便捷的金融借款服务，申请方便，息费透明，年化利率7.2%-24%（单利）。 【温馨提示】 贷款额度、放款时间以实际审批结果为准； 实际放款以借款合同约定为准； 贷款有风险，借款需谨慎； 请根据个人能力合理借款，理性消费，避免逾期。 客服热线：4000627626，人工服务时间（非节假日8:00-21:00，节假日9:00-19:00）
Screenshots
Verdict
The clearest difference is ratings volume: 星图金融 at 128K against 极融借款's 32K. On price, rating, review sentiment 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.
On the App Store both sit at effectively the same score — 4.7 for 星图金融 against 4.6 for 极融借款. Both are backed by a comparable volume of ratings — 128K and 32K respectively. Written reviews are what separate them: 68% of 星图金融's written reviews are positive against 63% of 极融借款's.
Both ship on a similar rhythm, roughly monthly. Both last shipped on September 26, 2026.
| Parameter | 星图金融 | 极融借款 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (128K ratings) — better | 4.6 (32K ratings) |
| Positive reviews | 67.6% of reviews — better | 62.5% of reviews |
| Number of ratings | 128K — better | 32K |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 119 MB | 191 MB |
| Age rating | 17+ | 17+ |
| Developer | Shanghai STAR ATLAS Financial Services Group Co., Ltd. | Jiangxi Peitao Technology Company Limited |
Customer experience
星图金融
极融借款
In-app purchases
星图金融
No in-app purchases
极融借款
No in-app purchases
