时光分期 vs 好会借
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
好会借
This platform offers unsecured personal loans driven by smart technology. Apply with just your ID for quick approval and fast disbursement of funds up to 200,000 yuan. Enjoy competitive annual interest rates ranging from 7.2% to 24%.
- Unsecured personal loans
- Apply with ID only
- Loan amounts up to 200,000 yuan
- Annual interest rates 7.2%-24%
- Fast disbursement
- Secure data encryption
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好会借是一个以智能科技为驱动的助贷聚合借款服务平台，无抵押纯信用借款产品，仅凭身 份证即可申请，综合年化利率(单利)7.2%-24%，最高可借20万元。 【产品优势】 额度高：最高20万元 利率低：综合年化利率(单利)7.2%-24% 申请易：仅需身份证，三步即可申请 放款快：实时智能审批，极速放款 够安全：个人信息全程加密，安全放心 ----温馨提示---- 借款成功后好会借不会通过QQ、微信公众号等方式联系您转账或还款，请勿相信任何整改利息、退款等诱骗信息，如有疑问请咨询官方客服。 好会借是助贷平台，借款审批及放款服务由第三方持牌机构提供。 贷款额度、放款时间、通过率等以第三方机构实际审批为准。 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。 ----联系好会借---- 客服电话：4000038115（服务时间：周一至周日9:00-18:00） 好会借APP在线客服
Screenshots
Verdict
The clearest difference is rating: 好会借 at 3.4 against 时光分期's 1.0. 好会借 also leads on ratings volume (1.5K vs 8) and review sentiment (98% vs 88%). 时光分期's advantage is update cadence (every 3 weeks vs every 3 months) and monetization model (free vs ad-supported). 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.
好会借 holds the better App Store score, 3.4 against 1.0. That said, the two scores are not equally well evidenced: 好会借 has 1.5K ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 88% of 时光分期's written reviews are positive against 98% of 好会借's.
时光分期 ships an update every 3 weeks, 好会借 every 3 months. The most recent releases landed on October 29, 2026 and October 27, 2026 respectively.
| Parameter | 时光分期 | 好会借 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (8 ratings) | 3.4 (1.5K ratings) — better |
| Positive reviews | 87.5% of reviews | 97.6% of reviews — better |
| Number of ratings | 8 | 1.5K — better |
| Update frequency | Every 3 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 61 MB | 115 MB |
| Age rating | 4+ | 4+ |
| Developer | 融360 | Beijing Zhide Tiancheng Information Technology Co., Ltd. |
Customer experience
时光分期
好会借
In-app purchases
时光分期
No in-app purchases
好会借
No in-app purchases
