真融宝 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.
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
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.
- 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%
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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
Verdict
The clearest difference is rating: 真融宝 at 4.7 against 平安消费金融's 3.4. 真融宝 also leads on review sentiment (83% vs 58%) and monetization model (free vs free with in-app purchases). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
真融宝 holds the better App Store score, 4.7 against 3.4. That said, the two scores are not equally well evidenced: 真融宝 has 38 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 83% of 真融宝's written reviews are positive against 58% of 平安消费金融's.
真融宝 ships an update every 2 weeks, 平安消费金融 every 3 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | 真融宝 | 平安消费金融 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (38 ratings) — better | 3.4 (5 ratings) |
| Positive reviews | 83.3% of reviews — better | 58.3% of reviews |
| Number of ratings | 38 — better | 5 |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPod |
| Requires iOS | 8.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 61 MB | 65 MB |
| Age rating | 4+ | 17+ |
| Developer | 北京快快网络技术有限公司 | 平安消费金融有限公司 |
Customer experience
真融宝
平安消费金融
In-app purchases
真融宝
No in-app purchases
平安消费金融
No in-app purchases
