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.
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.
- 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
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【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。
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 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | 考拉易分期 | 时小融 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (5 ratings) — better | — |
| Positive reviews | 30.0% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 2 months | Every 8 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 12.0 — better |
| Further details — not scored | ||
| Size | 76 MB | 58 MB |
| Age rating | 4+ | 17+ |
| Developer | Lakala Network Technology Co.,Ltd. | Shishi Huxin (Wuhan) Digital Technology Co., Ltd. |
In-app purchases
考拉易分期
No in-app purchases
时小融
No in-app purchases








