# 时光分期 vs 好会借

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.

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.

## The numbers

| Metric | 时光分期 | 好会借 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews) | **[3.4 (1.5K ratings)](https://appshunter.io/ios/app/id6448036322/reviews)** |
| Number of ratings | 8 | **1.5K** |
| Positive reviews | 87.5% of reviews | **97.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | **Free** | Ad-supported |
| Size | 61 MB | 115 MB |
| Requires iOS | 13.0 | **11.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [Beijing Zhide Tiancheng Information Technology Co., Ltd.](https://appshunter.io/developer/1198593375) |

## 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


### 好会借

[App page](https://appshunter.io/ios/app/id6448036322)

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%.

**Highlights:** 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

**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 好会借 free?

好会借 is free to download, with no in-app purchases.

### Which has better reviews, 时光分期 or 好会借?

好会借 is rated higher. 时光分期 averages 1.0 out of 5 from 8 ratings, while 好会借 averages 3.4 from 1.5K ratings.

### Do 时光分期 or 好会借 have ads?

Neither 时光分期 nor 好会借 shows ads.

### Which is updated more often, 时光分期 or 好会借?

时光分期 ships an update every 3 weeks, and 好会借 every 3 months. Most recently, 时光分期 was updated on October 29, 2026 and 好会借 on October 27, 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.*