# 时光分期 vs 360分期贷

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.

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.

## The numbers

| Metric | 时光分期 | 360分期贷 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews) | **[1.5 (2 ratings)](https://appshunter.io/ios/app/360/id1505284951/reviews)** |
| Number of ratings | **8** | 2 |
| Positive reviews | 87.5% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 62 MB | 81 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分期贷

[App page](https://appshunter.io/ios/app/360/id1505284951)

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.

**Highlights:** Consumer installment loans, Flexible repayment plans, Competitive interest rates, Secure transactions, Quality assurance for purchases, Online application and approval

**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分期贷 free?

360分期贷 is free to download, with no in-app purchases.

### Which has better reviews, 时光分期 or 360分期贷?

360分期贷 is rated higher. 时光分期 averages 1.0 out of 5 from 8 ratings, while 360分期贷 averages 1.5 from 2 ratings.

### Do 时光分期 or 360分期贷 have ads?

360分期贷 shows ads; 时光分期 does not.

### Which is updated more often, 时光分期 or 360分期贷?

时光分期 ships an update every 3 weeks, and 360分期贷 every 3 weeks. Most recently, 时光分期 was updated on October 24, 2026 and 360分期贷 on October 21, 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.*