# 新概念英语全四册核心词汇HD vs 分期乐

The clearest difference is review sentiment: 新概念英语全四册核心词汇HD at 95% against 分期乐's 39%. 新概念英语全四册核心词汇HD also leads on rating (4.8 vs 2.6) and ads (none vs shown). 分期乐's advantage is in-app purchases (none vs 1) and update cadence (monthly vs every 4 months). On price and device support there is nothing between them.

Both are free to download. 新概念英语全四册核心词汇HD sells 1 one-off in-app purchase. 分期乐 asks for nothing beyond the download.

新概念英语全四册核心词汇HD holds the better App Store score, 4.8 against 2.6. That said, the two scores are not equally well evidenced: 分期乐 has 239 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 95% of 新概念英语全四册核心词汇HD's written reviews are positive against 39% of 分期乐's.

新概念英语全四册核心词汇HD ships an update every 4 months, 分期乐 monthly. The most recent releases landed on November 1, 2026 and November 13, 2026 respectively.

## The numbers

| Metric | 新概念英语全四册核心词汇HD | 分期乐 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (6 ratings)](https://appshunter.io/ios/app/hd/id688844562/reviews)** | [2.6 (239 ratings)](https://appshunter.io/ios/app/id906611031/reviews) |
| Number of ratings | 6 | **239** |
| Positive reviews | **95.0% of reviews** | 39.5% of reviews |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Free with in-app purchases | — |
| Size | 61 MB | 245 MB |
| Requires iOS | **11.0** | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [水萍 林](https://appshunter.io/developer/664555715) | [深圳市分期乐网络科技有限公司](https://appshunter.io/developer/897778999) |

## What reviewers say

### 新概念英语全四册核心词汇HD

[App page](https://appshunter.io/ios/app/hd/id688844562)

This app uses the Ebbinghaus forgetting curve and memory sequence methods to help users memorize vocabulary effectively. It adjusts learning and review schedules based on individual forgetting points for long-term retention. All content is available offline.

**Highlights:** Ebbinghaus forgetting curve integration, Spaced repetition system, Personalized review scheduling, Offline access to all content, Interactive learning methods

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 新概念词汇完整版 | $2.99 | one-time |


### 分期乐

[App page](https://appshunter.io/ios/app/id906611031)

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast disbursement
- 👍 Helps in emergencies
- 👍 Can be a last resort for funds

**What reviewers complain about**

- 💸 High interest rates (usury)
- 💸 Hidden fees and charges
- 💸 Unclear billing and statements
- 💸 Forced installment plans
- 💸 Inability to repay early without penalty

**Reported bugs**

- App crashes (iOS)
- Unable to repay within the app/WeChat
- Blank repayment pages
- Forced updates
- Redirects to third-party loan apps

**Requested features**

- Clearer billing and interest calculation
- Option for early repayment without penalties
- Improved customer service responsiveness
- More transparent loan terms
- User-friendly interface


## Frequently asked questions

### Is 新概念英语全四册核心词汇HD free?

新概念英语全四册核心词汇HD is free to download, with in-app purchases available.

### Is 分期乐 free?

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

### Which has better reviews, 新概念英语全四册核心词汇HD or 分期乐?

新概念英语全四册核心词汇HD is rated higher. 新概念英语全四册核心词汇HD averages 4.8 out of 5 from 6 ratings, while 分期乐 averages 2.6 from 239 ratings.

### Do 新概念英语全四册核心词汇HD or 分期乐 have ads?

分期乐 shows ads; 新概念英语全四册核心词汇HD does not.

### Which is updated more often, 新概念英语全四册核心词汇HD or 分期乐?

新概念英语全四册核心词汇HD ships an update every 4 months, and 分期乐 monthly. Most recently, 新概念英语全四册核心词汇HD was updated on November 1, 2026 and 分期乐 on November 13, 2026.

---

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