真融宝 vs 白猫贷
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
白猫贷
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白猫贷是一款利用人工智能和大数据风控技术，面向大众提供金融信贷服务的小额贷款平台，致力于为用户提供方便、快捷、安心的借款服务。 ——产品特色—— 【额度高】额度最高200,000万 【门槛低】凭身份证快速出额度 方便快捷 【放款快】实时审批 快速放款 畅快体验 【流程简】在线申请 自动审核 “刷脸”得额度 ——温馨提示—— 1.贷款额度、利率，放款时间以实际审核为准 2.贷款有风险，借款需谨慎，请根据个人能力合理贷款，理性消费，避免逾期 官方微信：白猫贷 官方客服电话：400-6888009 ( 工作日9:30-18:30 )
Screenshots
Verdict
The clearest difference is update cadence: 真融宝 at every 2 weeks against 白猫贷's every 6 weeks. 真融宝 also leads on device support (4 vs 2) and iOS requirement (8.0 vs 13.0). 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, 白猫贷 every 6 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | 真融宝 | 白猫贷 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (38 ratings) — better | — |
| Positive reviews | 83.3% of reviews | — |
| Number of ratings | 38 — better | — |
| Update frequency | Every 2 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPod |
| Requires iOS | 8.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 61 MB | 32 MB |
| Age rating | 4+ | 17+ |
| Developer | 北京快快网络技术有限公司 | Guangzhou Zhidu Internet Microfinance Co., Ltd. |
In-app purchases
真融宝
No in-app purchases
白猫贷
No in-app purchases
