分期乐 vs 真融宝
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。
真融宝
A comprehensive fintech platform offering convenient and efficient financial services for everyday investors. Start investing with as little as 100 yuan, earn interest from the next day, and withdraw funds in as fast as one minute. Backed by reputable investors and a strong track record.
- Invest from 100 yuan
- Interest accrues next day
- Fast withdrawals
- Diverse investment terms
- Bank custody for funds
- Third-party guarantee mechanism
- High security certifications
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真融宝是一家综合性的金融科技平台,为大众投资者提供便捷、高效的金融服务,100元起投,次日计息,提现最快一分钟到账。真融宝先后获知名投资机构红杉资本、经纬创投亿元以上投资。累计交易总额超过2000亿元,累计服务用户250多万! 为什么选择真融宝? 1、实力雄厚: 已获得知名投资机构红杉资本近亿元的投资,红杉资本还投资过阿里巴巴、360、京东、新浪网。 2、金融服务多样化: 1)投15天年化利率4.3% 2)投30天年化利率5.2% 3)投90天年化利率6.2% 4)投180天年化利率7.2% 5)投360天年化利率8% 还可以选择更多投标期限~~ 3、风险控制: 1)银行存管,用户资金和平台资金有效隔离 2)获得公安部门认证的三级安全等级认证 3)出借的标的分散,防止系统性金融风险 4)第三方担保机制,历史兑付率100% 4、外界认可: 1)国家高新技术企业认证 2)2017年度最佳金融科技平台 3)2017中国金融科技50强 4)互联网金融科技协会理事会员单位 5)真融宝客服团队荣获中国客服节“明星班组”称号 联系方式: 客服电话:1010-1008(365天全年无休) 官方网站:www.zhenrongbao.com 官方微博:weibo.com/zhenrongbao 微信服务号:真融宝 粉丝交流QQ群:314903823
Screenshots
Verdict
The clearest difference is review sentiment: 真融宝 at 83% against 分期乐's 39%. 真融宝 also leads on rating (4.7 vs 2.6) and ads (none vs shown). 分期乐's advantage is ratings volume (239 vs 38). On price, update cadence and in-app purchases 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.
真融宝 holds the better App Store score, 4.7 against 2.6. That said, the two scores are not equally well evidenced: 分期乐 has 239 ratings behind it against 38, so its average is the more settled of the two. Written reviews point the same way: 39% of 分期乐's written reviews are positive against 83% of 真融宝's.
分期乐 ships an update monthly, 真融宝 every 2 weeks. The most recent releases landed on November 6, 2026 and November 1, 2026 respectively.
| Parameter | 分期乐 | 真融宝 |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (239 ratings) | 4.7 (38 ratings) — better |
| Positive reviews | 39.5% of reviews | 83.3% of reviews — better |
| Number of ratings | 239 — better | 38 |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod, Apple Watch — better |
| Requires iOS | 13.0 | 8.0 — better |
| Further details — not scored | ||
| Size | 245 MB | 61 MB |
| Age rating | 17+ | 4+ |
| Developer | 深圳市分期乐网络科技有限公司 | 北京快快网络技术有限公司 |
Customer experience
分期乐
真融宝
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
真融宝
Not enough reviews yet to summarise bugs or requests.
In-app purchases
分期乐
No in-app purchases
真融宝
No in-app purchases









