分期乐 vs Happy Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
分期乐
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上市公司，正规平台，最高可借20万额度 新人最长可享30天免息，在线申请，智能审批 【平台介绍】 分期乐是乐信旗下倡导年轻人有度消费的分期消费平台，以更懂年轻人、更有安全保障、更有温度的产品体验和金融科技服务，让年轻人可以享受安全、稳定、便捷的现金借钱、分期购物和分期还款的金融服务，已有超过1.5亿用户选择分期乐。 【产品优势】 纳斯达克上市公司（股票代码：LX）旗下品质分期购物商城和分期借贷金融平台； 贷款资金由正规金融持牌放款机构提供； 利用AI技术和大数据风控技术给用户提供安全靠谱的分期借贷平台； 息费透明，期数灵活的分期借款平台； 是超过1.5亿用户值得信赖的借钱平台。 【主要特色】 安心借款：费用透明，借钱更放心； 安全保障：银行级风控团队为您的账户安全保驾护航； 优质体验：支持线上贷款申请，方便快捷，借钱分期期限灵活； 分期购物：国行正品，品质保证，分期还款更便捷。 【贷款利率说明】 “乐花借钱”年化利率区间8-24%，因个人资质不同，最终以平台实际审批为准 以上应用截图仅为示例，贷款额度、利率、放款时间、通过率等以实际审批为准 贷款投资有风险，借款需谨慎；请根据个人能力合理贷款，理性消费，避免逾期。
Happy Pay
This mobile payment app allows users to make and receive payments anytime, anywhere, with funds arriving 24/7. It ensures secure transactions, funds, and information for merchants, offering comprehensive and convenient mobile acquiring services.
- 24/7 instant fund arrival
- Secure merchant transactions
- Convenient mobile acquiring
- Real-time payment processing
- Comprehensive financial services
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Happy Pay是一款全新移动支付APP，以实现随时、随地进行收付款、7*24小时及时到账，保障商户交易安全、资金安全、信息安全，为用户提供便捷全面的移动收单服务。
Screenshots
Verdict
The clearest difference is rating: Happy Pay at 4.8 against 分期乐's 2.6. Happy Pay also leads on ads (none vs shown) and iOS requirement (9.0 vs 13.0). 分期乐's advantage is review sentiment (39% vs 7%) and ratings volume (239 vs 37). On price, update cadence, 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.
Happy Pay 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 37, so its average is the more settled of the two. Written reviews complicate that: 39% of 分期乐's written reviews are positive against 7% of Happy Pay's, so the app with the better star average is not the one people write more warmly about.
分期乐 ships an update monthly, Happy Pay every 3 weeks. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.
| Parameter | 分期乐 | Happy Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (239 ratings) | 4.8 (37 ratings) — better |
| Positive reviews | 39.5% of reviews — better | 7.1% of reviews |
| Number of ratings | 239 — better | 37 |
| Update frequency | Monthly | Every 3 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 9.0 — better |
| Further details — not scored | ||
| Size | 245 MB | 81 MB |
| Age rating | 17+ | 4+ |
| Developer | 深圳市分期乐网络科技有限公司 | Shenzhen Yeahka Company Limited |
Customer experience
分期乐
Happy Pay
Bugs and requests
分期乐
Reported bugs
7 issues- App crashes (iOS)
- Unable to repay within the app/WeChat
- Blank repayment pages
- Forced updates
- Redirects to third-party loan apps
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- Unable to unbind bank cards
- Unauthorized bank account creation
Requested features
7 requests- Clearer billing and interest calculation
- Option for early repayment without penalties
- Improved customer service responsiveness
- More transparent loan terms
- User-friendly interface
Show 2 moreShow fewer
- Ability to cancel unauthorized accounts
- More humane collection practices
Happy Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
分期乐
No in-app purchases
Happy Pay
No in-app purchases
