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.
白猫贷
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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 )
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 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | 白猫贷 | 时小融 |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 6 weeks | Every 8 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 32 MB | 58 MB |
| Age rating | 17+ | 17+ |
| Developer | Guangzhou Zhidu Internet Microfinance Co., Ltd. | Shishi Huxin (Wuhan) Digital Technology Co., Ltd. |
In-app purchases
白猫贷
No in-app purchases
时小融
No in-app purchases








