# 时光分期 vs 安心快贷

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.

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

## The numbers

| Metric | 时光分期 | 安心快贷 |
| --- | --- | --- |
| 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** | 25.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | — |
| Monetization | Free | Free |
| Size | 61 MB | 34 MB |
| Requires iOS | 13.0 | **9.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [Sichuan Xiangyu Technology Co., Ltd.](https://appshunter.io/developer/1004938209) |

## 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


### 安心快贷

[App page](https://appshunter.io/ios/app/id6448028213)

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.

**Highlights:** 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

**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 安心快贷 free?

安心快贷 is free to download, with no in-app purchases.

### Do 时光分期 or 安心快贷 have ads?

Neither 时光分期 nor 安心快贷 shows ads.

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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.*