Comparison

星图金融 vs 平安消费金融

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

星图金融

Features
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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。

About

平安消费金融

This app provides personal revolving consumer credit loans, allowing users to borrow money quickly and conveniently through a mobile-first process. It offers flexible loan amounts and 24/7 access to funds, with interest only charged on amounts used.

Highlights
  • Personal revolving credit loans
  • Fast mobile application process
  • Loan amounts from 500 to 200,000 RMB
  • 24/7 borrowing access
  • Interest only on used funds
  • Annual interest rates from 4%-24%
Features
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平安小橙花是平安消费金融有限公司推出的个人循环消费信用贷款产品,平安小橙花,助您小有所成! 【关于平安消费金融】平安消费金融有限公司(简称"平安消费金融")经国家金融监督管理总局(原中国银保监会)批准在上海成立,是一家可为用户提供全方位消费金融服务的全国性科技型消费金融公司。 【操作流程快】全程手机线上操作,简单3步,快速借款,授信额度随时可用,可借额度100元-20万元。 【随时借款】24小时随时借款,不动用不计息。 【联系我们】 官方微信:平安消费金融(ID: pinganxfjr) 官方抖音:平安消费金融(抖音号:PingAnCF) 官方网站:www.pacfc.com 客服热线:400-026-6666 特别提醒: 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。 您所获得的出借人发放的借款不得用于投资房市、股市、期货或者其他股本权益性投资。 平安消费金融不会通过个人向您收取费用,也不会要求您将钱款转入个人账户,请您注意防范金融诈骗风险,或可拨打400-026-6666客服电话进行咨询。 借款额度、放款时间、利息等请以实际审批结果为准。 年化利率(单利)4%-24%(对应日利率0.011%-0.066%) 说明:实际利率需要根据客户资信情况确定。

Screenshots

星图金融4 screens
平安消费金融4 screens

Verdict

The call

The clearest difference is rating: 星图金融 at 4.7 against 平安消费金融's 3.4. 星图金融 also leads on ratings volume (128K vs 5) and review sentiment (68% vs 58%). On price, update cadence, ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

星图金融 holds the better App Store score, 4.7 against 3.4. That said, the two scores are not equally well evidenced: 星图金融 has 128K ratings behind it against 5, 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 58% of 平安消费金融's.

UpkeepUpdate frequency

星图金融 ships an update monthly, 平安消费金融 every 3 weeks. The most recent releases landed on October 13, 2026 and October 9, 2026 respectively.

Scorecard3 real differences · 7 level
星图金融 versus 平安消费金融: the parameters behind the verdict, then further details
Parameter星图金融平安消费金融
PriceFreeFree
Rating4.7 (128K ratings) — better3.4 (5 ratings)
Positive reviews67.6% of reviews — better58.3% of reviews
Number of ratings128K — better5
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size119 MB65 MB
Age rating17+17+
DeveloperShanghai STAR ATLAS Financial Services Group Co., Ltd.平安消费金融有限公司

Customer experience

星图金融

All ratings141 ratings
Positive83.0%
Neutral2.8%
Negative14.2%
Written reviews34 reviews
Positive67.6%
Neutral2.9%
Negative29.4%

平安消费金融

All ratings5 ratings
Positive60.0%
Neutral0.0%
Negative40.0%
Written reviews24 reviews
Positive58.3%
Neutral4.2%
Negative37.5%

In-app purchases

None

星图金融

No in-app purchases

None

平安消费金融

No in-app purchases

Questions

Is 星图金融 free?
星图金融 is free to download, with no in-app purchases.
Is 平安消费金融 free?
平安消费金融 is free to download, with no in-app purchases.
Which has better reviews, 星图金融 or 平安消费金融?
星图金融 is rated higher. 星图金融 averages 4.7 out of 5 from 128K ratings, while 平安消费金融 averages 3.4 from 5 ratings.
Do 星图金融 or 平安消费金融 have ads?
Neither 星图金融 nor 平安消费金融 shows ads.
Which is updated more often, 星图金融 or 平安消费金融?
星图金融 ships an update monthly, and 平安消费金融 every 3 weeks. Most recently, 星图金融 was updated on October 13, 2026 and 平安消费金融 on October 9, 2026.

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