# 时光分期 vs 海尔消费金融

The clearest difference is rating: 海尔消费金融 at 4.0 against 时光分期's 1.0. 海尔消费金融 also leads on ratings volume (4.2K vs 8) and iOS requirement (11.0 vs 13.0). 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.

海尔消费金融 holds the better App Store score, 4.0 against 1.0. That said, the two scores are not equally well evidenced: 海尔消费金融 has 4.2K ratings behind it against 8, so its average is the more settled of the two. Written reviews split almost evenly too, at 87% and 88% positive.

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 10, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | 时光分期 | 海尔消费金融 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews) | **[4.0 (4.2K ratings)](https://appshunter.io/ios/app/app/id1129104892/reviews)** |
| Number of ratings | 8 | **4.2K** |
| Positive reviews | 87.0% of reviews | **87.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 61 MB | 116 MB |
| Requires iOS | 13.0 | **11.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [海尔消费金融有限公司](https://appshunter.io/developer/1067158120) |

## What reviewers say

### 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


### 海尔消费金融

[App page](https://appshunter.io/ios/app/app/id1129104892)

This platform offers online credit loans with flexible repayment options and competitive annual interest rates. New users can enjoy special promotions, including potential interest-free periods and cash bonuses. It's a secure and transparent way to manage borrowing needs.

**Highlights:** Online credit loan application, Loan amounts up to 200,000, Repayment up to 36 months, Annual interest rates from 7.92%, New user promotions, No collateral required

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

**In-app purchases:** none


## Frequently asked questions

### Is 时光分期 free?

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

### Is 海尔消费金融 free?

海尔消费金融 is free to download, with no in-app purchases.

### Which has better reviews, 时光分期 or 海尔消费金融?

海尔消费金融 is rated higher. 时光分期 averages 1.0 out of 5 from 8 ratings, while 海尔消费金融 averages 4.0 from 4.2K ratings.

### Do 时光分期 or 海尔消费金融 have ads?

Neither 时光分期 nor 海尔消费金融 shows ads.

### Which is updated more often, 时光分期 or 海尔消费金融?

时光分期 ships an update every 3 weeks, and 海尔消费金融 every 3 weeks. Most recently, 时光分期 was updated on September 10, 2026 and 海尔消费金融 on September 24, 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.*