Comparison

考拉易分期 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

考拉易分期

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
Read full description

【关键时刻、拉你一把】急用钱就考拉易分期。无抵押、纯信用借款;极速放款、快至15秒到账,最高可申请20万!纯线上申请,操作方便; 【产品介绍】 (1)工薪贷:面向打工人的贷款产品,最高额度10万元!极速审核,审批通过后最快1分钟放款!关注“考拉金科”微信公众号,就可实现申请、查询、还款等多种操作。 (2)生意贷:面向小微企业主贷款产品,最高额度20万元,审批通过后最快15秒到账!经营周转就选生意贷! 产品特点: 针对不同人士提供个性化产品,安全合规的老牌金融机构,产品额度更新快,定期提额以满足你不同场景下的需要。

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

考拉易分期4 screens
时小融4 screens

Verdict

The call

The clearest difference is update cadence: 时小融 at every 8 days against 考拉易分期's every 2 months. 时小融 also leads on iOS requirement (12.0 vs 15.6). 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

考拉易分期 ships an update every 2 months, 时小融 every 8 days. The most recent releases landed on October 10, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 8 level
考拉易分期 versus 时小融: the parameters behind the verdict, then further details
Parameter考拉易分期时小融
PriceFreeFree
Rating4.2 (5 ratings) — better—
Positive reviews30.0% of reviews—
Number of ratings5 — better—
Update frequencyEvery 2 monthsEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.612.0 — better
Further details — not scored
Size76 MB58 MB
Age rating4+17+
DeveloperLakala Network Technology Co.,Ltd.Shishi Huxin (Wuhan) Digital Technology Co., Ltd.

In-app purchases

None

考拉易分期

No in-app purchases

None

时小融

No in-app purchases

Questions

Is 考拉易分期 free?
考拉易分期 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 考拉易分期 or 时小融 have ads?
Neither 考拉易分期 nor 时小融 shows ads.
Which is updated more often, 考拉易分期 or 时小融?
考拉易分期 ships an update every 2 months, and 时小融 every 8 days. Most recently, 考拉易分期 was updated on October 10, 2026 and 时小融 on October 25, 2026.

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