# 时光分期 vs 360借条

The clearest difference is rating: 360借条 at 4.7 against 时光分期's 1.0. 360借条 also leads on ratings volume (50K vs 8). On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

360借条 holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: 360借条 has 50K ratings behind it against 8, so its average is the more settled of the two. Written reviews complicate that: 88% of 时光分期's written reviews are positive against 86% of 360借条's, so the app with the better star average is not the one people write more warmly about.

时光分期 ships an update every 3 weeks, 360借条 fortnightly. The most recent releases landed on October 26, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | 时光分期 | 360借条 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews) | **[4.7 (50K ratings)](https://appshunter.io/ios/app/360/id1623571691/reviews)** |
| Number of ratings | 8 | **50K** |
| Positive reviews | **87.5% of reviews** | 85.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 62 MB | 93 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借条

[App page](https://appshunter.io/ios/app/360/id1623571691)

This platform offers convenient mobile loans with high credit limits and transparent fee structures. Enjoy flexible repayment options and a secure, entirely online application process. New users can benefit from special interest-free offers.

**Highlights:** High loan limits up to 200,000 CNY, Transparent interest rates starting from 7.2% annualized, Flexible repayment terms (3, 6, 12, up to 24 months), Fully online application, no collateral needed, Facial recognition for quick verification, Secure lending with advanced technology

**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 360借条 free?

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

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

360借条 is rated higher. 时光分期 averages 1.0 out of 5 from 8 ratings, while 360借条 averages 4.7 from 50K ratings.

### Do 时光分期 or 360借条 have ads?

Neither 时光分期 nor 360借条 shows ads.

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

时光分期 ships an update every 3 weeks, and 360借条 fortnightly. Most recently, 时光分期 was updated on October 26, 2026 and 360借条 on October 29, 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.*