Comparison

白猫贷 vs 时小融

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

白猫贷

Features
Read full description

白猫贷是一款利用人工智能和大数据风控技术,面向大众提供金融信贷服务的小额贷款平台,致力于为用户提供方便、快捷、安心的借款服务。 ——产品特色—— 【额度高】额度最高200,000万 【门槛低】凭身份证快速出额度 方便快捷 【放款快】实时审批 快速放款 畅快体验 【流程简】在线申请 自动审核 “刷脸”得额度 ——温馨提示—— 1.贷款额度、利率,放款时间以实际审核为准 2.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 官方微信:白猫贷 官方客服电话:400-6888009 ( 工作日9:30-18:30 )

About

时小融

Features
Read full description

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

白猫贷4 screens
时小融4 screens

Verdict

The call

The clearest difference is update cadence: 时小融 at every 8 days against 白猫贷's every 6 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

白猫贷 ships an update every 6 weeks, 时小融 every 8 days. The most recent releases landed on September 19, 2026 and September 23, 2026 respectively.

Scorecard1 real difference · 5 level
白猫贷 versus 时小融: the parameters behind the verdict, then further details
Parameter白猫贷时小融
PriceFreeFree
Update frequencyEvery 6 weeksEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.012.0 — better
Further details — not scored
Size32 MB58 MB
Age rating17+17+
DeveloperGuangzhou Zhidu Internet Microfinance Co., Ltd.Shishi Huxin (Wuhan) Digital Technology Co., Ltd.

In-app purchases

None

白猫贷

No in-app purchases

None

时小融

No in-app purchases

Questions

Is 白猫贷 free?
白猫贷 is free to download, with no in-app purchases.
Is 时小融 free?
时小融 is free to download, with no in-app purchases.
Do 白猫贷 or 时小融 have ads?
Neither 白猫贷 nor 时小融 shows ads.
Which is updated more often, 白猫贷 or 时小融?
白猫贷 ships an update every 6 weeks, and 时小融 every 8 days. Most recently, 白猫贷 was updated on September 19, 2026 and 时小融 on September 23, 2026.

Other comparisons