招联金融 vs 省呗
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
招联金融
This app offers fast and convenient online loan applications using just your ID. Get approved and receive funds in as little as one minute, with loan amounts up to 300,000 yuan. Enjoy flexible repayment options and access a range of smart financial services.
- Online application with ID
- Fast loan disbursement (as quick as 1 minute)
- High loan limits (up to 300,000 yuan)
- Negotiable interest rates and repayment terms
- Cash loans
- Installment shopping
Read full descriptionHide full description
招联金融：凭身份证等材料在线申请！借款成功后最快1分钟放款！额度最高30万元！ 利率高低、额度高低、还款时间都能“商量”，解锁更多「智惠」金融服务！ 【平台介绍】 招联金融：由招商银行与中国联通共同组建，持牌消费金融机构。为您提供安全、专业、智能、便捷的现金借贷、分期消费贷款服务。 【产品优势】 1、申请易：线上申请，无抵押 2、速度快：快速放款，现金借款成功后最快1分钟到账 3、额度高：可借金额最高30万元 【产品简介】 ● 现金借贷：招联为您提供专业的消费贷款服务。 ● 分期购物：使用招联金融信用额度，自由选择分期数，先消费、后还款。 ● 展示内容：汇聚更多精彩，「惠」无止境，一「下」就来！ 【联系我们】 微信关注“招联金融”官方公众号，为您提供快捷便利服务！ 官方网站：www.mucfc.com 【风险提示】 ● 具体页面内容与活动规则以实际页面展示为准 ● 贷款额度、利率、放款时间以实际审批结果为准 ● 招联金融贷款仅可用于消费；请根据个人能力合理贷款，理性消费，避免逾期
省呗
This app provides fast, low-interest personal loans using AI and big data risk control. Users can apply online 24/7 for credit lines up to 200,000 yuan, with quick disbursement and transparent fees. It prioritizes user data security and offers flexible repayment options.
- AI and big data risk control
- 24/7 online application
- Up to 200,000 yuan credit limit
- Disbursement as fast as 3 minutes
- Transparent annual interest rates from 5%
- Flexible repayment up to 12 installments
- Secure data protection
Read full descriptionHide full description
【品牌视觉焕新】 省呗logo更新，将原 “省” 字图标正式升级为 “省呗”，新版APP现已上线！焕新出发，让金融更温暖。 【产品介绍】 省呗成立于2015年，由深圳无域科技技术有限公司开发运营，利用人工智能和大数据风控技术，为用户提供方便、快捷、安全的金融信贷服务，超1.3亿用户选择。 【产品特点】 1、 7*24h线上申请，无需面签，随用随借； 2、放款速度快，审批通过后快至 3 分钟放款，手机借款更便捷； 3、息费透明：综合年化利率（单利）5%起； 4、操作便捷：借还灵活，凭手机号和身份证信息在线申请，可分12期； 5、安全借款：多项安全认证，保护用户个人信息，筑起隐私保护坚实防线。 【新人免息规则】 1、活动时间：即日起-2026年12月31日； 2、活动对象：在活动时间内首次完成注册的用户； 3、活动内容：新人专享最长30天免息优惠券； 注：免息优惠券的具体使用规则以省呗APP内展示规则为准。 【温馨提示】 1、贷款额度、放款时间、适用利率等均以实际审批结果及合同约定为准。 2、借贷有风险，借款需谨慎。请您根据自身实际需求及还款能力合理规划借款，理性消费，按时还款，避免逾期影响个人信用。 【联系我们】 官方微信公众号：省呗官方 客服中心：您可通过微信公众号 “小省在线” 咨询相关问题，客服将为您提供专业解答。 客服电话：400-000-1564
Screenshots
Verdict
The clearest difference is rating: 招联金融 at 4.9 against 省呗's 3.4. 招联金融 also leads on in-app purchases (none vs 10) and ratings volume (1.5M vs 75K). On price, review sentiment, update cadence and ads 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. 省呗 sells 1 one-off in-app purchase. 招联金融 asks for nothing beyond the download.
招联金融 holds the better App Store score, 4.9 against 3.4. That said, the two scores are not equally well evidenced: 招联金融 has 1.5M ratings behind it against 75K, so its average is the more settled of the two. Written reviews point the same way: 72% of 招联金融's written reviews are positive against 69% of 省呗's.
招联金融 ships an update every 4 weeks, 省呗 every 3 weeks. Both last shipped on November 1, 2026.
| Parameter | 招联金融 | 省呗 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (1.5M ratings) — better | 3.4 (75K ratings) |
| Positive reviews | 71.9% of reviews — better | 68.8% of reviews |
| Number of ratings | 1.5M — better | 75K |
| Update frequency | Every 4 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 132 MB | 184 MB |
| Age rating | 17+ | 17+ |
| Developer | 招联消费金融股份有限公司 | 深圳小禾金融服务管理有限公司 |
Customer experience
招联金融
省呗
In-app purchases
招联金融
No in-app purchases
省呗
- 省呗会员半年卡$46.99
