# 时光分期 vs U钱包

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.

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.

## The numbers

| Metric | 时光分期 | U钱包 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews) | [1.0 (1 ratings)](https://appshunter.io/ios/app/u-app/id1406674094/reviews) |
| Number of ratings | **8** | 1 |
| Positive reviews | 87.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 61 MB | 39 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [德云晟小额贷款股份有限公司](https://appshunter.io/developer/1464117186) |

## 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


### U钱包

[App page](https://appshunter.io/ios/app/u-app/id1406674094)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**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 U钱包 free?

U钱包 is free to download, with no in-app purchases.

### Which has better reviews, 时光分期 or U钱包?

时光分期 and U钱包 are both rated 1.0 out of 5 on the App Store, from 8 and 1 ratings respectively.

### Do 时光分期 or U钱包 have ads?

Neither 时光分期 nor U钱包 shows ads.

### Which is updated more often, 时光分期 or U钱包?

时光分期 ships an update every 3 weeks, and U钱包 every 5 weeks. Most recently, 时光分期 was updated on October 29, 2026 and U钱包 on October 29, 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.*