# 真融宝 vs 时光分期

The clearest difference is rating: 真融宝 at 4.7 against 时光分期's 1.0. 真融宝 also leads on ratings volume (38 vs 8) and device support (4 vs 2). On price, review sentiment, update cadence and ads 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 1.0. Both are backed by a comparable volume of ratings — 38 and 8 respectively. Written reviews complicate that: 83% of 真融宝's written reviews are positive against 88% of 时光分期's, so the app with the better star average is not the one people write more warmly about.

真融宝 ships an update every 2 weeks, 时光分期 every 3 weeks. Both last shipped on November 1, 2026.

## The numbers

| Metric | 真融宝 | 时光分期 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (38 ratings)](https://appshunter.io/ios/app/250/id944120357/reviews)** | [1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews) |
| Number of ratings | **38** | 8 |
| Positive reviews | 83.3% of reviews | **87.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 61 MB | 61 MB |
| Requires iOS | **8.0** | 13.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [北京快快网络技术有限公司](https://appshunter.io/developer/944120356) | [融360](https://appshunter.io/developer/562807898) |

## What reviewers say

### 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


### 时光分期

[App page](https://appshunter.io/ios/app/id946620973)

This app provides convenient and fast internet consumer credit services through partnerships with numerous banks and licensed financial institutions. It offers quick loan disbursement, simple online applications, and transparent interest rates starting from 7.2% annually. New users can receive a gift package, and larger loans may qualify for interest-free periods.

**Highlights:** Fast loan disbursement, Simple online application, Credit limit increase, Transparent annual rates from 7.2%, New user gift package, 30-day interest-free coupon for eligible loans

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

**In-app purchases:** none


## Frequently asked questions

### Is 真融宝 free?

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

### Is 时光分期 free?

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

### Which has better reviews, 真融宝 or 时光分期?

真融宝 is rated higher. 真融宝 averages 4.7 out of 5 from 38 ratings, while 时光分期 averages 1.0 from 8 ratings.

### Do 真融宝 or 时光分期 have ads?

Neither 真融宝 nor 时光分期 shows ads.

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

真融宝 ships an update every 2 weeks, and 时光分期 every 3 weeks. Most recently, 真融宝 was updated on November 1, 2026 and 时光分期 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.*