# 时光分期 vs 中信百信银行交易+

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.

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.

## The numbers

| Metric | 时光分期 | 中信百信银行交易+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews)** | — |
| Number of ratings | **8** | — |
| Positive reviews | 87.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free | — |
| Size | 62 MB | 58 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [中信百信银行股份有限公司](https://appshunter.io/developer/1324387550) |

## 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


### 中信百信银行交易+

[App page](https://appshunter.io/ios/app/plus/id1540044907)

**Features:** macOS Compatibility, 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 中信百信银行交易+ free?

中信百信银行交易+ is free to download, with no in-app purchases.

### Do 时光分期 or 中信百信银行交易+ have ads?

Neither 时光分期 nor 中信百信银行交易+ shows ads.

### Which is updated more often, 时光分期 or 中信百信银行交易+?

时光分期 ships an update every 3 weeks, and 中信百信银行交易+ every 2 months. Most recently, 时光分期 was updated on September 30, 2026 and 中信百信银行交易+ on September 28, 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.*