# 时光分期-分期借款 额度循环 — 时光金科旗下分期借款平台

> Internet consumer credit services with fast disbursement and transparent rates. (iPhone/iPad app by 融360.)

- Source: https://appshunter.io/ios/app/id946620973 (this page in markdown: same URL + `.md`)
- Developer: [融360](https://appshunter.io/developer/562807898)
- Category: Finance
- Price: Free
- Rating: 1.00/5 from 8 App Store ratings · 23 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 61 MB
- Languages: Chinese (Simplified, China)
- Released: 2015-02-20
- Data updated: 2026-08-25
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/id946620973/reviews.md

## What is 时光分期?

时光分期是时光金科旗下的信贷服务品牌。与数百家银行、持牌金融机构达成合作，为大众提供更加方便、快捷、安心的互联网消费信贷服务。

【产品优势】
1.放款快：审批后最快三分钟到账，借钱不用等
2.申请简单：4项简易认证，线上极速审核
3.额度提升：多用多借按时还，信用提额有保障
4.息费透明：年化费率7.2%起（以审核为准）
5.活动多样：新人享最高200元礼包，成功借款8000元以上还有30天免息券可拿！
活动时间：该活动自2021年1月1日起长期有效，活动细则请以App内公示为准

【温馨提示】
贷款额度、放款时间、通过率、利率等以实际审批为准。
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。
若有不法分子冒充时光分期工作人员，以帮助您申请贷款、协商减免还款等理由向您索要佣金，或套取您身份证信息、银行卡账号密码、短信验证码等敏感信息，请您注意辨别，保留好相关截图，并联系时光分期官方客服加以核对确认。

## Key features

- Fast loan disbursement
- Simple online application
- Credit limit increase
- Transparent annual rates from 7.2%
- New user gift package
- 30-day interest-free coupon for eligible loans

## Recent user reviews (10 of 23)

All indexed reviews: https://appshunter.io/ios/app/id946620973/reviews.md

### 1/5 — 诈骗公司

*2026-01-30*

这种诈骗公司，就是套取信息的。

### 1/5 — 垃圾软件

*2025-03-01*

感觉属于违法犯罪集团，借钱不行，借到后还不上直接爆通讯录，一天几百个电话，一个手机号发几百条短信，千万不能下载，骗子公司

### 1/5 — 非常差

*2024-12-06*

申请成功 一直不到账 后面有一个误导人的提示 点了之后就马上到账了 原来是会员费 第二天偷偷扣了400元还是300元会员费忘记了 迟了一天还钱 催债的就又打电话又加vx又发短信威胁 真牛啊

### 5/5 — 逾期一天，轰炸朋友圈联系手机号。。。。。

*2018-10-17*

嗯，本月我自己意外有点事情，逾期了一天，然后今天上班静音没接到电话，一般我也不接显示骚扰诈骗的电话，联系客服也是转移话题。我想态度很好的做个解释说下班后处理，但是没下班呢没多久反过来轰炸我朋友圈的联系人？？！！好样的！！！后面逼得我不得不说有急事调休去处理！！嗯，就一天你们是怕我跑到哪里去？？？那些说逾期10天10几天的没催没轰炸的，亲们你们确定吗？你们是怎么耗过来的

### 5/5 — 相信这个平台

*2018-09-30*

先说我不是托，我是真实用户，网贷主要是多平台申请，在其他无聊的平台就是只会给你不过，完全是骗取资料，如果有和我一样的朋友放心用，按时还款就行了

### 5/5 — 非常好

*2018-08-03*

太激动了，因为网贷注册的比较多但是额度都是不超过一千，不管上不上征信都是按时还款，自己借出来用了就应该还不管利息高不高都是自愿的，真的感谢原子贷，第一次用秒过呀我会按时还的，百分百不是刷好评的值得推荐

### 5/5 — 这个小贷救了我一命

*2018-07-30*

我真的山穷水尽的感觉了，开了两家店，因为还有一家合伙人经营不善，导致快倒闭，也把我自己主店拖的资金链断裂，中信信用卡都刷爆到冻结，真的有点走投无路，就原子贷给我下了款。我不是托，是托死全家，很多贷款都拒绝了我，因为个体户，没有流水，负债高，都不愿意批

### 5/5 — 良心好平台

*2018-06-17*

客服人员打电话说话很温柔，很可亲，为客户着想，这次我逾期了，我很想跟昨天给我打电话的客服美女说一声抱歉，我很明确答应她几次都没做到，她既然也没有生气，态度很好很贴心。其实我不是刻意拖欠，或者骗她，我也是太粗心了。这次由于在端午假期期间，所以我的还款出现点变故！良心的平台、贴心的客服。谢谢

### 5/5 — 对于上岸的同志

*2018-05-24*

我之前借的时候利息就贵的离谱。当我想上岸的时候。资金周转不过来，那真是的悲催，各种的威胁你还款。说了沟通，要多两天时间，我知道钱是要还，但我欠款太多，我也想上岸，一直在想办法，客服一言不合说两句逼你还钱，不还钱就怎样怎样。最后还没说完就挂电话。整顿网贷的时候干嘛不全部封了。这软件真的差评。

### 5/5 — 五星只为大家看到

*2018-03-16*

以前接过好几次，然而现在呢额度都没有了。绑定信息的时候都已经绑好了。一直显示认证失败。现在这垃圾就是钱资料的。大家小心为妙。

## Frequently asked questions about 时光分期

### What is the minimum annual interest rate for 时光分期?

The annual interest rate for 时光分期 starts from 7.2%, but the actual rate is subject to your specific approval. The app aims to provide transparent fee structures for its loan services.

### How quickly can I receive funds after approval with 时光分期?

Funds can be disbursed as quickly as three minutes after approval, ensuring a fast borrowing experience. The application process is designed to be simple and efficient for users.

### Does 时光分期 offer any promotions for new users?

Yes, new users can receive a gift package of up to 200 yuan. Additionally, successful loans of 8,000 yuan or more may qualify for a 30-day interest-free coupon.

### How can I increase my credit limit on 时光分期?

Consistent usage and timely repayment of loans can help improve your creditworthiness, leading to potential increases in your credit limit over time. The app encourages responsible borrowing habits.

### Is 时光分期 available on all devices?

Based on the provided data, 时光分期 is supported on iPhone and iPod devices. Compatibility with other platforms may vary.

### What is the age rating for 时光分期?

时光分期 has an age rating of 4+, indicating it is suitable for a broad audience. However, users should be aware of the risks associated with borrowing.

### How often is 时光分期 updated?

The latest version of 时光分期 is 6.9.5, and it was last updated on February 27, 2026. This indicates a recent update, suggesting ongoing development and maintenance.

### What should I do if someone impersonates 时光分期 staff?

If someone impersonates 时光分期 staff to ask for commissions or sensitive information, please verify their identity with official customer service and retain screenshots. Be cautious of phishing attempts.

## Version history (last 5 releases)

### 7.0.6 — 2026-07-01

1、已知问题修复
2、用户体验优化

### 7.0.3 — 2026-06-17

1、已知问题修复
2、用户体验优化

### 7.0.2 — 2026-05-28

1、用户体验优化
2、已知问题修复

### 7.0.0 — 2026-05-06

1、已知问题修复
2、用户体验优化

### 6.9.6 — 2026-04-09

1、用户体验优化
2、已知问题修复

## Apps similar to 时光分期

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [洋钱罐借款 - 分期贷款借钱平台](https://appshunter.io/ios/app/id1410049631) | 4.6 (521) | Free | Finance |

## More apps by 融360

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- [融360-贷款、信用卡资讯](https://appshunter.io/ios/app/360/id1026689855)

All apps by 融360: https://appshunter.io/developer/562807898

## Related topics

[分期](https://appshunter.io/ios/topics/分期)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*