时光分期 vs 360信用钱包
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。与数百家银行、持牌金融机构达成合作，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.放款快：审批后最快三分钟到账，借钱不用等 2.申请简单：4项简易认证，线上极速审核 3.额度提升：多用多借按时还，信用提额有保障 4.息费透明：年化费率7.2%起（以审核为准） 5.活动多样：新人享最高200元礼包，成功借款8000元以上还有30天免息券可拿！ 活动时间：该活动自2021年1月1日起长期有效，活动细则请以App内公示为准 【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。
360信用钱包
This financial technology platform offers personal credit assessment and consumer finance services. It provides installment purchases and loans, aiming to enhance users' quality of life through convenient and reliable installment consumption experiences. The service leverages advanced technologies to evaluate individual creditworthiness.
- Personal credit assessment
- Installment purchases
- Cash loans
- Consumer finance
- Big data technology
- Machine learning
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产品优势： - 360信用钱包是美股上市公司奇富科技旗下的金融科技平台。 - 通过云计算、机器学习、大数据等技术客观评估个人信用，致力于为用户打造专业的消费金融科技平台。平台亦会提供分期购，分期借等多种现金消费形式，旨在向用户提供正规、便捷、省心的分期消费体验，提升用户的消费生活品质。 - 先消费后还款，分期立享所爱 - 费率透明：年化利率(单利)7.2%-24%（以审核为准）； 温馨提示： - 客服/投诉热线：400-6030360（周一至周日：8:00 - 24:00） - 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； (新用户限时最长免息 30天，最高免息65元，借12期享最后一期免息) - 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。
Screenshots
Verdict
时光分期 and 360信用钱包 are too close to call on the numbers: across 10 compared parameters — price, rating, review sentiment and ratings volume among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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 360信用钱包. Both are backed by a comparable volume of ratings — 8 and 6 respectively. Written reviews are what separate them: 88% of 时光分期's written reviews are positive against 86% of 360信用钱包's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.
| Parameter | 时光分期 | 360信用钱包 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (8 ratings) | 1.0 (6 ratings) |
| Positive reviews | 87.5% of reviews — better | 86.4% of reviews |
| Number of ratings | 8 — better | 6 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 62 MB | 85 MB |
| Age rating | 4+ | 17+ |
| Developer | 融360 | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
时光分期
360信用钱包
In-app purchases
时光分期
No in-app purchases
360信用钱包
No in-app purchases
