时光分期 vs U钱包
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
时光分期
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.
- 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
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时光分期是时光金科旗下的信贷服务品牌，为大众提供更加方便、快捷、安心的互联网消费信贷服务。 【产品优势】 1.线上速审：审批通过后即可放款，到账时间以资金方处理为准。 2.申请简单：4项简易认证，线上自动审核。 3.额度提升：保持良好还款习惯，信用提额有保障。 4.息费透明：年化利率（单利）7.2%-24%（以审核为准） 【温馨提示】 贷款额度、放款时间、通过率、利率等以实际审批为准。 贷款有风险,借款需谨慎;请根据个人能力合理贷款,理性消费,避免逾期。 若有不法分子冒充时光分期工作人员，以帮助您申请贷款、协商减免还款等理由向您索要佣金，或套取您身份证信息、银行卡账号密码、短信验证码等敏感信息，请您注意辨别，保留好相关截图，并联系时光分期官方客服加以核对确认。 【客服电话】10108860
U钱包
This app offers a convenient way to apply for personal loans through your mobile device. It provides flexible repayment options and uses machine-driven approval for efficiency and security. Borrow amounts range from 10,000 to 30,000 yuan with competitive interest rates.
- Loan amounts from 10,000-30,000 yuan
- Low interest rates from 0.021%
- Flexible monthly repayment options
- Online application with facial recognition
- Machine-driven approval process
- Big data risk control for security
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【产品简介】 U钱包是一款个人借款推荐服务APP。手机一站式申请匹配模式可有效降低申请时间和借款成本。 【产品特点】 1、额度10000元-30000元。 2、利率低至0.021%， 降低还款压力。 3、还款方式 可根据个人需要灵活选择还款方式，支持按月还款。 4、线上操作 淘宝实名用户， “刷脸”识别，足不出户即可申请，方便快捷。 5、机器审批 无人工干预，根据评级，提升额度，更高效。 6、大数据风控 拥有严格的风控团队和先进的网络安全技术，基于全方位大数据审批测评，让您借款更安心。 【联系我们】 客服热线：4006849188 U钱包，优享利率。 借贷有风险，勿过度借贷
Screenshots
Verdict
The clearest difference is ratings volume: 时光分期 at 8 against U钱包's 1. On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 1.0 for 时光分期 against 1.0 for U钱包. That said, the two scores are not equally well evidenced: 时光分期 has 8 ratings behind it against 1, so its average is the more settled of the two.
时光分期 ships an update every 3 weeks, U钱包 every 5 weeks. Both last shipped on October 29, 2026.
| Parameter | 时光分期 | U钱包 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (8 ratings) | 1.0 (1 ratings) |
| Positive reviews | 87.5% of reviews | — |
| Number of ratings | 8 — better | 1 |
| Update frequency | Every 3 weeks — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 61 MB | 39 MB |
| Age rating | 4+ | 4+ |
| Developer | 融360 | 德云晟小额贷款股份有限公司 |
Customer experience
时光分期
U钱包
In-app purchases
时光分期
No in-app purchases
U钱包
No in-app purchases
