# 考拉易分期 vs 真融宝

The clearest difference is review sentiment: 真融宝 at 83% against 考拉易分期's 30%. 真融宝 also leads on rating (4.7 vs 4.2) and update cadence (every 2 weeks vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

真融宝 holds the better App Store score, 4.7 against 4.2. That said, the two scores are not equally well evidenced: 真融宝 has 38 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 30% of 考拉易分期's written reviews are positive against 83% of 真融宝's.

考拉易分期 ships an update every 2 months, 真融宝 every 2 weeks. Both last shipped on November 1, 2026.

## The numbers

| Metric | 考拉易分期 | 真融宝 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (5 ratings)](https://appshunter.io/ios/app/id523367437/reviews) | **[4.7 (38 ratings)](https://appshunter.io/ios/app/250/id944120357/reviews)** |
| Number of ratings | 5 | **38** |
| Positive reviews | 30.0% of reviews | **83.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 76 MB | 61 MB |
| Requires iOS | 15.6 | **8.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Lakala Network Technology Co.,Ltd.](https://appshunter.io/developer/1188190203) | [北京快快网络技术有限公司](https://appshunter.io/developer/944120356) |

## 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


### 真融宝

[App page](https://appshunter.io/ios/app/250/id944120357)

A comprehensive fintech platform offering convenient and efficient financial services for everyday investors. Start investing with as little as 100 yuan, earn interest from the next day, and withdraw funds in as fast as one minute. Backed by reputable investors and a strong track record.

**Highlights:** Invest from 100 yuan, Interest accrues next day, Fast withdrawals, Diverse investment terms, Bank custody for funds, Third-party guarantee mechanism, High security certifications

**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 真融宝 free?

真融宝 is free to download, with no in-app purchases.

### Which has better reviews, 考拉易分期 or 真融宝?

真融宝 is rated higher. 考拉易分期 averages 4.2 out of 5 from 5 ratings, while 真融宝 averages 4.7 from 38 ratings.

### Do 考拉易分期 or 真融宝 have ads?

Neither 考拉易分期 nor 真融宝 shows ads.

### Which is updated more often, 考拉易分期 or 真融宝?

考拉易分期 ships an update every 2 months, and 真融宝 every 2 weeks. Most recently, 考拉易分期 was updated on November 1, 2026 and 真融宝 on November 1, 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.*