时光分期 vs 安心快贷
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，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.线上速审：审批通过后即可放款，到账时间以资金方处理为准。 2.申请简单：4项简易认证，线上自动审核。 3.额度提升：保持良好还款习惯，信用提额有保障。 4.息费透明：年化利率（单利）7.2%-24%（以审核为准） 【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。 【客服电话】10108860
安心快贷
This platform offers online credit technology services, connecting financial institutions with clients. It provides flexible loan terms up to 12 installments, accessible via mobile with a simple application process and clear progress tracking to ease temporary financial burdens. New users receive special benefits like credit limit increase opportunities.
- Online credit technology services
- Flexible loan terms up to 12 installments
- Mobile application and simple process
- Online loan and repayment progress tracking
- Special offers for new users
- Credit limit increase opportunities
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安心快贷——专业的在线信贷科技服务平台！安心快贷为金融机构和有需求的客户提供全流程科技及辅助服务。安心快贷提供的合作金融机构信贷产品期限灵活，最多可分12期随心还，用手机即可申请，操作流程简单明了，可以在线清楚查看借款还款进度，减轻你的临时经济压力。新注册用户更享申请提额优惠等多项特权，快来下载安心快贷领取你的惊喜额度吧！
Screenshots
Verdict
The clearest difference is review sentiment: 时光分期 at 88% against 安心快贷's 25%. 安心快贷's advantage is iOS requirement (9.0 vs 13.0). On price, ads, in-app purchases and monetization model 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.
| Parameter | 时光分期 | 安心快贷 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (8 ratings) — better | — |
| Positive reviews | 87.5% of reviews — better | 25.0% of reviews |
| Number of ratings | 8 — better | — |
| Update frequency | Every 3 weeks | — |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 9.0 — better |
| Further details — not scored | ||
| Size | 61 MB | 34 MB |
| Age rating | 4+ | 17+ |
| Developer | 融360 | Sichuan Xiangyu Technology Co., Ltd. |
Customer experience
时光分期
安心快贷
In-app purchases
时光分期
No in-app purchases
安心快贷
No in-app purchases
