真融宝 vs 海印金服
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
真融宝
A comprehensive fintech platform offering convenient and efficient financial services for everyday investors. Start investing with as little as 100 yuan, earn interest from the next day, and withdraw funds in as fast as one minute. Backed by reputable investors and a strong track record.
- Invest from 100 yuan
- Interest accrues next day
- Fast withdrawals
- Diverse investment terms
- Bank custody for funds
- Third-party guarantee mechanism
- High security certifications
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真融宝是一家综合性的金融科技平台，为大众投资者提供便捷、高效的金融服务，100元起投，次日计息，提现最快一分钟到账。真融宝先后获知名投资机构红杉资本、经纬创投亿元以上投资。累计交易总额超过2000亿元，累计服务用户250多万！ 为什么选择真融宝？ 1、实力雄厚: 已获得知名投资机构红杉资本近亿元的投资，红杉资本还投资过阿里巴巴、360、京东、新浪网。 2、金融服务多样化: 1)投15天年化利率4.3% 2)投30天年化利率5.2% 3)投90天年化利率6.2% 4)投180天年化利率7.2% 5)投360天年化利率8% 还可以选择更多投标期限~~ 3、风险控制: 1)银行存管，用户资金和平台资金有效隔离 2)获得公安部门认证的三级安全等级认证 3)出借的标的分散，防止系统性金融风险 4)第三方担保机制，历史兑付率100% 4、外界认可: 1)国家高新技术企业认证 2)2017年度最佳金融科技平台 3)2017中国金融科技50强 4)互联网金融科技协会理事会员单位 5)真融宝客服团队荣获中国客服节“明星班组”称号 联系方式： 客服电话：1010-1008(365天全年无休) 官方网站：www.zhenrongbao.com 官方微博：weibo.com/zhenrongbao 微信服务号：真融宝 粉丝交流QQ群：314903823
海印金服
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海印金服—上市公司海印股份旗下消费贷款平台 =产品特色= 1、闪电借款：极速贷款，当天放款、8秒到账。 2、低息高额：日息低至0.05%。大额高至100万。 3、操作便捷：线上申请，随时随地想贷就贷。 =平台背景= 1、上市公司（股票代码：000861）海印股份旗下借款平台 2、首批互联网小额贷款持牌机构，正规借款产品，值得信赖 3、小额贷款不求人，缺钱就上海印金服 4、小额借款（消费贷、借钱、贷款、借款、小额贷款、手机借款、借贷） =海印互联网小贷= 由“海印股份”全资于2017年5月成立并取得互联网小贷牌照，隶属“海印金控”。以服务小微客户为出发点，依托大数据风控体系，科技驱动金融，为客户提供合规、安全、便捷的普惠金融贷款服务。 =海印金控= 由“海印股份”全资成立，注册资本5亿元，集互联网小贷、融资租赁、商业保理、银行、保险、支付等为一体，依托多年行业深耕经验，完善产业布局，致力于成为金融解决方案的一站式综合服务供应商。 =联系我们= 企业官网：http://www.highsunfinancial.com/ 客服电话：400-082-0861 企业邮箱：haiyinjinkong@000861.com 微信公众号：haiyinyinxiangdai
Screenshots
Verdict
The clearest difference is update cadence: 真融宝 at every 2 weeks against 海印金服's every 3 months. 真融宝 also leads on device support (4 vs 2) and iOS requirement (8.0 vs 12.0). 海印金服's advantage is review sentiment (100% vs 83%). On price, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
真融宝 ships an update every 2 weeks, 海印金服 every 3 months. The most recent releases landed on October 1, 2026 and October 6, 2026 respectively.
| Parameter | 真融宝 | 海印金服 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (38 ratings) — better | — |
| Positive reviews | 83.3% of reviews | 100.0% of reviews — better |
| Number of ratings | 38 — better | — |
| Update frequency | Every 2 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPod |
| Requires iOS | 8.0 — better | 12.0 |
| Further details — not scored | ||
| Size | 61 MB | 108 MB |
| Age rating | 4+ | 17+ |
| Developer | 北京快快网络技术有限公司 | 广州海印互联网小额贷款有限公司 |
Customer experience
真融宝
海印金服
In-app purchases
真融宝
No in-app purchases
海印金服
No in-app purchases
