Comparison

分期易 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

分期易

Features
Read full description

【产品介绍】 放款快:快速放款,现金借款成功后最快1分钟到账; 高额度:最高额度10万元; 息费透明:日利率0.03%起; 周期灵活:可分12期; 操作便捷:凭身份证、手机号线上完成申请;

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

分期易3 screens
时小融4 screens

Verdict

The call

The clearest difference is update cadence: 分期易 at every 3 days against 时小融's every 8 days. 分期易 also leads on iOS requirement (9.0 vs 12.0). 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

分期易 ships an update every 3 days, 时小融 every 8 days. The most recent releases landed on September 15, 2026 and September 23, 2026 respectively.

Scorecard2 real differences · 4 level
分期易 versus 时小融: the parameters behind the verdict, then further details
Parameter分期易时小融
PriceFreeFree
Update frequencyEvery 3 days — betterEvery 8 days
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS9.0 — better12.0
Further details — not scored
Size98 MB58 MB
Age rating4+17+
DeveloperJiangsu Yuanzhongju Financial Information Service Co., Ltd.Shishi Huxin (Wuhan) Digital Technology Co., Ltd.

In-app purchases

None

分期易

No in-app purchases

None

时小融

No in-app purchases

Questions

Is 分期易 free?
分期易 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 分期易 or 时小融 have ads?
Neither 分期易 nor 时小融 shows ads.
Which is updated more often, 分期易 or 时小融?
分期易 ships an update every 3 days, and 时小融 every 8 days. Most recently, 分期易 was updated on September 15, 2026 and 时小融 on September 23, 2026.

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