# 星图金融 vs 时光分期

The clearest difference is rating: 星图金融 at 4.7 against 时光分期's 1.0. 星图金融 also leads on ratings volume (128K vs 8). 时光分期's advantage is review sentiment (87% vs 68%). 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.

星图金融 holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: 星图金融 has 128K ratings behind it against 8, so its average is the more settled of the two. Written reviews complicate that: 68% of 星图金融's written reviews are positive against 87% of 时光分期's, so the app with the better star average is not the one people write more warmly about.

星图金融 ships an update monthly, 时光分期 every 3 weeks. The most recent releases landed on September 27, 2026 and September 10, 2026 respectively.

## The numbers

| Metric | 星图金融 | 时光分期 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (128K ratings)](https://appshunter.io/ios/app/id609358564/reviews)** | [1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews) |
| Number of ratings | **128K** | 8 |
| Positive reviews | 67.6% of reviews | **87.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | — | Free |
| Size | 119 MB | 61 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Shanghai STAR ATLAS Financial Services Group Co., Ltd.](https://appshunter.io/developer/1520664872) | [融360](https://appshunter.io/developer/562807898) |

## What reviewers say

### 星图金融

[App page](https://appshunter.io/ios/app/id609358564)

**Features:** Vision Pro support

**In-app purchases:** none


### 时光分期

[App page](https://appshunter.io/ios/app/id946620973)

This app provides convenient and fast internet consumer credit services through partnerships with numerous banks and licensed financial institutions. It offers quick loan disbursement, simple online applications, and transparent interest rates starting from 7.2% annually. New users can receive a gift package, and larger loans may qualify for interest-free periods.

**Highlights:** Fast loan disbursement, Simple online application, Credit limit increase, Transparent annual rates from 7.2%, New user gift package, 30-day interest-free coupon for eligible loans

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

**In-app purchases:** none


## Frequently asked questions

### Is 星图金融 free?

星图金融 is free to download, with no in-app purchases.

### Is 时光分期 free?

时光分期 is free to download, with no in-app purchases.

### Which has better reviews, 星图金融 or 时光分期?

星图金融 is rated higher. 星图金融 averages 4.7 out of 5 from 128K ratings, while 时光分期 averages 1.0 from 8 ratings.

### Do 星图金融 or 时光分期 have ads?

Neither 星图金融 nor 时光分期 shows ads.

### Which is updated more often, 星图金融 or 时光分期?

星图金融 ships an update monthly, and 时光分期 every 3 weeks. Most recently, 星图金融 was updated on September 27, 2026 and 时光分期 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.*