# 招联金融 vs 省呗

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.

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.

## The numbers

| Metric | 招联金融 | 省呗 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (1.5M ratings)](https://appshunter.io/ios/app/id978599335/reviews)** | [3.4 (75K ratings)](https://appshunter.io/ios/app/id1194313045/reviews) |
| Number of ratings | **1.5M** | 75K |
| Positive reviews | **71.9% of reviews** | 68.8% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 132 MB | 184 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [招联消费金融股份有限公司](https://appshunter.io/developer/978599334) | [深圳小禾金融服务管理有限公司](https://appshunter.io/developer/1227700909) |

## What reviewers say

### 招联金融

[App page](https://appshunter.io/ios/app/id978599335)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### 省呗

[App page](https://appshunter.io/ios/app/id1194313045)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 省呗会员半年卡 | $46.99 | one-time |


## Frequently asked questions

### Is 招联金融 free?

招联金融 is free to download, with no in-app purchases.

### Is 省呗 free?

省呗 is free to download, with in-app purchases available.

### Which has better reviews, 招联金融 or 省呗?

招联金融 is rated higher. 招联金融 averages 4.9 out of 5 from 1.5M ratings, while 省呗 averages 3.4 from 75K ratings.

### Do 招联金融 or 省呗 have ads?

Neither 招联金融 nor 省呗 shows ads.

### Which is updated more often, 招联金融 or 省呗?

招联金融 ships an update every 4 weeks, and 省呗 every 3 weeks. Most recently, 招联金融 was updated on November 1, 2026 and 省呗 on November 1, 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.*