小象钱包 vs 时小融
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
小象钱包
This app offers quick cash loans with a simple application process using just your ID and phone number. It aims to provide fast financial assistance for emergencies with low interest rates and high approval rates.
- Fast loan disbursement
- Zero-threshold, no collateral
- High loan limits up to ¥30,000
- Low daily interest rates
- Purely online operation
- High approval rate
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小象钱包是一款小额极速贷款平台，为您提供快捷的现金贷款服务，致力于解决应急救急借款需求。凭身份证手机号即可快速借钱。操作简单，利率低。人工智能风控审批，安全又便捷，通过率高，放款速度快，轻松拿钱。 【速度快】-最快3分钟放款，快速借钱放款无压力，手机APP随时随地申请和还款！ 【轻松借】-零门槛无抵押，借钱无需等待！ 【额度高】-有征信有信用卡，信用借款，一次最多可借￥30000，通过率高！ 【利息低】-可按日，按月计息，日息低至0.01% 【易操作】-纯线上操作，随时随地想贷就贷 当天放款，更快拿钱，凭实名手机号立借30000元 简单信息填写：拒绝繁琐，轻松过审！ 实测：放款率>78%，超高成功借款率！
时小融
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时小融-信贷服务平台，便捷、合规、智能的信贷服务平台。 轻松解决您的资金问题，借款更快捷 （产品优势） 1.安全合规:正规持牌金融机构放款，让您更放心。 2.息费透明:利率合规，借款费用透明可见。 3.申请简单:3项简易认证，线上极速审批。 4.活动多样化:新人首次尊享7天免息券。 （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小融工作人员，以帮助您申请贷款、协商减免还款等理由向你索要佣金，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，并联系时小融官方客服加以核对确认。
Screenshots
Verdict
The clearest difference is iOS requirement: 小象钱包 at 8.0 against 时小融's 12.0. 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.
小象钱包 ships an update every 6 days, 时小融 every 8 days. The most recent releases landed on October 19, 2026 and October 25, 2026 respectively.
| Parameter | 小象钱包 | 时小融 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 6 days — better | Every 8 days |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 8.0 — better | 12.0 |
| Further details — not scored | ||
| Size | 28 MB | 58 MB |
| Age rating | 17+ | 17+ |
| Developer | 垦利县和丰小额贷款股份有限公司 | Shishi Huxin (Wuhan) Digital Technology Co., Ltd. |
In-app purchases
小象钱包
No in-app purchases
时小融
No in-app purchases
