时光分期 vs 钱小乐
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
钱小乐
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钱小乐金融是广州数融打造的智能借款服务平台，流程简单，全线上完成借款。 【产品特征】 1、额度高：可借20万 2、放款快：实时审批，自动化放款 3、还款方便：到期还款提醒，借还方便 温馨提示 - 贷款额度、利率，放款时间以实际审核为准; - 福利活动仅抵扣部分利息，详细优惠方式以APP内活动规则为准；
Screenshots
Verdict
时光分期 and 钱小乐 both sit at 1.0 stars, but that hides the real split: 88% of 时光分期's written reviews are positive against 35% of 钱小乐's. 时光分期 also leads on ratings volume (8 vs 1) and update cadence (every 3 weeks vs every 6 weeks). On price, rating, ads and in-app purchases 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 钱小乐. 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. Written reviews are what separate them: 88% of 时光分期's written reviews are positive against 35% of 钱小乐's.
时光分期 ships an update every 3 weeks, 钱小乐 every 6 weeks. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.
| Parameter | 时光分期 | 钱小乐 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (8 ratings) | 1.0 (1 ratings) |
| Positive reviews | 87.5% of reviews — better | 35.0% of reviews |
| Number of ratings | 8 — better | 1 |
| Update frequency | Every 3 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 61 MB | 90 MB |
| Age rating | 4+ | 4+ |
| Developer | 融360 | Shanghai JiaShu Technology Co., Ltd |
Customer experience
时光分期
钱小乐
In-app purchases
时光分期
No in-app purchases
钱小乐
No in-app purchases
