# 分期乐 vs 真融宝

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.

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.

## The numbers

| Metric | 分期乐 | 真融宝 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (239 ratings)](https://appshunter.io/ios/app/id906611031/reviews) | **[4.7 (38 ratings)](https://appshunter.io/ios/app/250/id944120357/reviews)** |
| Number of ratings | **239** | 38 |
| Positive reviews | 39.5% of reviews | **83.3% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 245 MB | 61 MB |
| Requires iOS | 13.0 | **8.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 17+ | 4+ |
| Developer | [深圳市分期乐网络科技有限公司](https://appshunter.io/developer/897778999) | [北京快快网络技术有限公司](https://appshunter.io/developer/944120356) |

## 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


### 真融宝

[App page](https://appshunter.io/ios/app/250/id944120357)

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.

**Highlights:** Invest from 100 yuan, Interest accrues next day, Fast withdrawals, Diverse investment terms, Bank custody for funds, Third-party guarantee mechanism, High security certifications

**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 真融宝 free?

真融宝 is free to download, with no in-app purchases.

### Which has better reviews, 分期乐 or 真融宝?

真融宝 is rated higher. 分期乐 averages 2.6 out of 5 from 239 ratings, while 真融宝 averages 4.7 from 38 ratings.

### Do 分期乐 or 真融宝 have ads?

分期乐 shows ads; 真融宝 does not.

### Which is updated more often, 分期乐 or 真融宝?

分期乐 ships an update monthly, and 真融宝 every 2 weeks. Most recently, 分期乐 was updated on November 6, 2026 and 真融宝 on November 1, 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.*