# 考拉易分期 vs U钱包

The clearest difference is rating: 考拉易分期 at 4.2 against U钱包's 1.0. 考拉易分期 also leads on ratings volume (5 vs 1). U钱包's advantage is iOS requirement (12.0 vs 15.6). On price, update cadence, ads and in-app purchases there is nothing between them.

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

考拉易分期 holds the better App Store score, 4.2 against 1.0. That said, the two scores are not equally well evidenced: 考拉易分期 has 5 ratings behind it against 1, so its average is the more settled of the two.

考拉易分期 ships an update every 2 months, U钱包 every 5 weeks. The most recent releases landed on September 24, 2026 and September 10, 2026 respectively.

## The numbers

| Metric | 考拉易分期 | U钱包 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (5 ratings)](https://appshunter.io/ios/app/id523367437/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/u-app/id1406674094/reviews) |
| Number of ratings | **5** | 1 |
| Positive reviews | 30.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 76 MB | 39 MB |
| Requires iOS | 15.6 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Lakala Network Technology Co.,Ltd.](https://appshunter.io/developer/1188190203) | [德云晟小额贷款股份有限公司](https://appshunter.io/developer/1464117186) |

## What reviewers say

### 考拉易分期

[App page](https://appshunter.io/ios/app/id523367437)

This app offers fast, low-interest loans for individuals and small businesses. It provides unsecured, pure credit loans with quick disbursement, up to 200,000 yuan, and a convenient online application process.

**Highlights:** Unsecured, pure credit loans, Fast disbursement, as quick as 15 seconds, Loan amounts up to 200,000 yuan, Online application process, Personalized loan products, Secure and compliant financial institution

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### U钱包

[App page](https://appshunter.io/ios/app/u-app/id1406674094)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is 考拉易分期 free?

考拉易分期 is free to download, with no in-app purchases.

### Is U钱包 free?

U钱包 is free to download, with no in-app purchases.

### Which has better reviews, 考拉易分期 or U钱包?

考拉易分期 is rated higher. 考拉易分期 averages 4.2 out of 5 from 5 ratings, while U钱包 averages 1.0 from 1 ratings.

### Do 考拉易分期 or U钱包 have ads?

Neither 考拉易分期 nor U钱包 shows ads.

### Which is updated more often, 考拉易分期 or U钱包?

考拉易分期 ships an update every 2 months, and U钱包 every 5 weeks. Most recently, 考拉易分期 was updated on September 24, 2026 and U钱包 on September 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*