# 分期乐 vs Happy Pay

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.

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.

## The numbers

| Metric | 分期乐 | Happy Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (239 ratings)](https://appshunter.io/ios/app/id906611031/reviews) | **[4.8 (37 ratings)](https://appshunter.io/ios/app/happy-pay/id1447862071/reviews)** |
| Number of ratings | **239** | 37 |
| Positive reviews | **39.5% of reviews** | 7.1% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | — | Free |
| Size | 245 MB | 81 MB |
| Requires iOS | 13.0 | **9.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [深圳市分期乐网络科技有限公司](https://appshunter.io/developer/897778999) | [Shenzhen Yeahka Company Limited](https://appshunter.io/developer/557519086) |

## What reviewers say

### 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


### Happy Pay

[App page](https://appshunter.io/ios/app/happy-pay/id1447862071)

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.

**Highlights:** 24/7 instant fund arrival, Secure merchant transactions, Convenient mobile acquiring, Real-time payment processing, Comprehensive financial services

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is 分期乐 free?

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

### Is Happy Pay free?

Happy Pay is free to download, with no in-app purchases.

### Which has better reviews, 分期乐 or Happy Pay?

Happy Pay is rated higher. 分期乐 averages 2.6 out of 5 from 239 ratings, while Happy Pay averages 4.8 from 37 ratings.

### Do 分期乐 or Happy Pay have ads?

分期乐 shows ads; Happy Pay does not.

### Which is updated more often, 分期乐 or Happy Pay?

分期乐 ships an update monthly, and Happy Pay every 3 weeks. Most recently, 分期乐 was updated on November 6, 2026 and Happy Pay on November 2, 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.*