# 分期乐 vs 山西省农村信用社企业手机银行

The clearest difference is ads: 山西省农村信用社企业手机银行 at none against 分期乐's shown. 山西省农村信用社企业手机银行 also leads on iOS requirement (8.0 vs 13.0). 分期乐's advantage is review sentiment (39% vs 14%). 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.

分期乐 ships an update monthly, 山西省农村信用社企业手机银行 every 6 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | 分期乐 | 山西省农村信用社企业手机银行 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (239 ratings)](https://appshunter.io/ios/app/id906611031/reviews)** | — |
| Number of ratings | **239** | — |
| Positive reviews | **39.5% of reviews** | 14.3% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Monthly** | Every 6 weeks |
| Size | 245 MB | 31 MB |
| Requires iOS | 13.0 | **8.0** |
| 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) | [SHANXI RURAL COMMERCIAL UNITED BANK Co. Ltd.](https://appshunter.io/developer/1206186115) |

## 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


### 山西省农村信用社企业手机银行

[App page](https://appshunter.io/ios/app/id1585778945)

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

**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 山西省农村信用社企业手机银行 free?

山西省农村信用社企业手机银行 is free to download, with no in-app purchases.

### Do 分期乐 or 山西省农村信用社企业手机银行 have ads?

分期乐 shows ads; 山西省农村信用社企业手机银行 does not.

### Which is updated more often, 分期乐 or 山西省农村信用社企业手机银行?

分期乐 ships an update monthly, and 山西省农村信用社企业手机银行 every 6 weeks. Most recently, 分期乐 was updated on November 6, 2026 and 山西省农村信用社企业手机银行 on November 3, 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.*