U钱包 vs 时小融
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
U钱包
This app offers a convenient way to apply for personal loans through your mobile device. It provides flexible repayment options and uses machine-driven approval for efficiency and security. Borrow amounts range from 10,000 to 30,000 yuan with competitive interest rates.
- Loan amounts from 10,000-30,000 yuan
- Low interest rates from 0.021%
- Flexible monthly repayment options
- Online application with facial recognition
- Machine-driven approval process
- Big data risk control for security
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【产品简介】 U钱包是一款个人借款推荐服务APP。手机一站式申请匹配模式可有效降低申请时间和借款成本。 【产品特点】 1、额度10000元-30000元。 2、利率低至0.021%， 降低还款压力。 3、还款方式 可根据个人需要灵活选择还款方式，支持按月还款。 4、线上操作 淘宝实名用户， “刷脸”识别，足不出户即可申请，方便快捷。 5、机器审批 无人工干预，根据评级，提升额度，更高效。 6、大数据风控 拥有严格的风控团队和先进的网络安全技术，基于全方位大数据审批测评，让您借款更安心。 【联系我们】 客服热线：4006849188 U钱包，优享利率。 借贷有风险，勿过度借贷
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 update cadence: 时小融 at every 8 days against U钱包's every 5 weeks. On price, ads, in-app purchases and device support 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.
U钱包 ships an update every 5 weeks, 时小融 every 8 days. The most recent releases landed on September 26, 2026 and October 9, 2026 respectively.
| Parameter | U钱包 | 时小融 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 5 weeks | Every 8 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 | 12.0 |
| Further details — not scored | ||
| Size | 39 MB | 58 MB |
| Age rating | 4+ | 17+ |
| Developer | 德云晟小额贷款股份有限公司 | Shishi Huxin (Wuhan) Digital Technology Co., Ltd. |
In-app purchases
U钱包
No in-app purchases
时小融
No in-app purchases
