时光分期 vs 中信百信银行交易+
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。
中信百信银行交易+
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中信百信银行交易+APP是面向中小企业的一站式移动端金融服务平台,集便捷操作、全场景服务和风控安全于一体,全方位满足各类客户日常经营需求和金融需求。支持远程预约开户、转账汇款、银企对账、交易审批等高频操作,提供普惠信贷、存款理财等多元化功能,精选中小企业专属金融产品和服务,采用多种安全认证方式,7*24小时智能风控,交易便捷高效、安全可靠。
Screenshots
Verdict
The clearest difference is update cadence: 时光分期 at every 3 weeks against 中信百信银行交易+'s every 2 months. On price, ads, 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.
时光分期 ships an update every 3 weeks, 中信百信银行交易+ every 2 months. The most recent releases landed on September 30, 2026 and September 28, 2026 respectively.
| Parameter | 时光分期 | 中信百信银行交易+ |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (8 ratings) — better | — |
| Positive reviews | 87.5% of reviews | — |
| Number of ratings | 8 — better | — |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 62 MB | 58 MB |
| Age rating | 4+ | 4+ |
| Developer | 融360 | 中信百信银行股份有限公司 |
In-app purchases
时光分期
No in-app purchases
中信百信银行交易+
No in-app purchases









