时光分期 vs 360分期贷
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分期贷
This platform offers consumer installment loans with flexible repayment plans and competitive interest rates. It aims to provide quick financial solutions for users, supporting their spending needs and contributing to the real economy. Features include secure transactions and quality assurance for purchases.
- Consumer installment loans
- Flexible repayment plans
- Competitive interest rates
- Secure transactions
- Quality assurance for purchases
- Online application and approval
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360分期贷是奇富科技旗下品牌，您身边的消费分期专家。帮助更多的借款用户获得更优质的服务而推出的消费分期平台。利率合规、还款计划灵活，为很多急需借款的用户解决了燃眉之急，普惠每一个奋斗者，为实体经济助力。 ——产品特色—— 1. 分期购物：国行正品，品质保证 2. 优质体验：分期期限灵活，可支持信用卡等多种方式 3. 安全保障：银行级风控团队保驾护航 ——如何使用—— 1. 在线填写资料，申请额度 2. 快速审批，获得额度 3. 分期借款，多种期限选择慢慢还 ——温馨提示—— 1. 客服/投诉热线：400-6030360（周一至周日：8:00 - 24:00） 2. 贷款额度、利率，放款时间以实际审核为准; 3. 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
The clearest difference is rating: 360分期贷 at 1.5 against 时光分期's 1.0. 360分期贷 also leads on review sentiment (100% vs 88%). 时光分期's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, update cadence, in-app purchases and device support 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.
360分期贷 holds the better App Store score, 1.5 against 1.0. Both are backed by a comparable volume of ratings — 8 and 2 respectively. Written reviews point the same way: 88% of 时光分期's written reviews are positive against 100% of 360分期贷's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 24, 2026 and October 21, 2026 respectively.
| Parameter | 时光分期 | 360分期贷 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (8 ratings) | 1.5 (2 ratings) — better |
| Positive reviews | 87.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 8 — better | 2 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 62 MB | 81 MB |
| Age rating | 4+ | 17+ |
| Developer | 融360 | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
时光分期
360分期贷
In-app purchases
时光分期
No in-app purchases
360分期贷
No in-app purchases
