# 时光分期 vs 360信用钱包

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.

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.

## The numbers

| Metric | 时光分期 | 360信用钱包 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews) | [1.0 (6 ratings)](https://appshunter.io/ios/app/360/id1480502565/reviews) |
| Number of ratings | **8** | 6 |
| Positive reviews | **87.5% of reviews** | 86.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 62 MB | 85 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## 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


### 360信用钱包

[App page](https://appshunter.io/ios/app/360/id1480502565)

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.

**Highlights:** Personal credit assessment, Installment purchases, Cash loans, Consumer finance, Big data technology, Machine learning

**Features:** 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 360信用钱包 free?

360信用钱包 is free to download, with no in-app purchases.

### Which has better reviews, 时光分期 or 360信用钱包?

时光分期 and 360信用钱包 are both rated 1.0 out of 5 on the App Store, from 8 and 6 ratings respectively.

### Do 时光分期 or 360信用钱包 have ads?

Neither 时光分期 nor 360信用钱包 shows ads.

### Which is updated more often, 时光分期 or 360信用钱包?

时光分期 ships an update every 3 weeks, and 360信用钱包 every 3 weeks. Most recently, 时光分期 was updated on October 26, 2026 and 360信用钱包 on October 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.*