# 分期乐 vs WaveUP Art

The clearest difference is ads: WaveUP Art at none against 分期乐's shown. WaveUP Art also leads on update cadence (every 2 weeks vs monthly). 分期乐's advantage is iOS requirement (13.0 vs 15.0). On price, 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, WaveUP Art every 2 weeks. The most recent releases landed on October 26, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | 分期乐 | WaveUP Art |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (238 ratings)](https://appshunter.io/ios/app/id906611031/reviews)** | — |
| Number of ratings | **238** | — |
| Positive reviews | 39.5% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Monthly | **Every 2 weeks** |
| Size | 245 MB | 238 MB |
| Requires iOS | **13.0** | 15.0 |
| 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) | [鸿略](https://appshunter.io/developer/1828959282) |

## 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


### WaveUP Art

[App page](https://appshunter.io/ios/app/waveup-art/id6749157696)

**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 WaveUP Art free?

WaveUP Art is free to download, with no in-app purchases.

### Do 分期乐 or WaveUP Art have ads?

分期乐 shows ads; WaveUP Art does not.

### Which is updated more often, 分期乐 or WaveUP Art?

分期乐 ships an update monthly, and WaveUP Art every 2 weeks. Most recently, 分期乐 was updated on October 26, 2026 and WaveUP Art on October 23, 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.*