# 真融宝 vs 平安消费金融

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.

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.

## The numbers

| Metric | 真融宝 | 平安消费金融 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (38 ratings)](https://appshunter.io/ios/app/250/id944120357/reviews)** | [3.4 (5 ratings)](https://appshunter.io/ios/app/id1516206989/reviews) |
| Number of ratings | **38** | 5 |
| Positive reviews | **83.3% of reviews** | 58.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 61 MB | 65 MB |
| Requires iOS | **8.0** | 13.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [北京快快网络技术有限公司](https://appshunter.io/developer/944120356) | [平安消费金融有限公司](https://appshunter.io/developer/1516206988) |

## What reviewers say

### 真融宝

[App page](https://appshunter.io/ios/app/250/id944120357)

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.

**Highlights:** Invest from 100 yuan, Interest accrues next day, Fast withdrawals, Diverse investment terms, Bank custody for funds, Third-party guarantee mechanism, High security certifications

**Features:** macOS Compatibility

**In-app purchases:** none


### 平安消费金融

[App page](https://appshunter.io/ios/app/id1516206989)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 真融宝 free?

真融宝 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, 真融宝 or 平安消费金融?

真融宝 is rated higher. 真融宝 averages 4.7 out of 5 from 38 ratings, while 平安消费金融 averages 3.4 from 5 ratings.

### Do 真融宝 or 平安消费金融 have ads?

Neither 真融宝 nor 平安消费金融 shows ads.

### Which is updated more often, 真融宝 or 平安消费金融?

真融宝 ships an update every 2 weeks, and 平安消费金融 every 3 weeks. Most recently, 真融宝 was updated on November 1, 2026 and 平安消费金融 on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*