Comparison

时光分期 vs 时小融

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

时光分期是时光金科旗下的信贷服务品牌。与数百家银行、持牌金融机构达成合作,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.放款快:审批后最快三分钟到账,借钱不用等 2.申请简单:4项简易认证,线上极速审核 3.额度提升:多用多借按时还,信用提额有保障 4.息费透明:年化费率7.2%起(以审核为准) 5.活动多样:新人享最高200元礼包,成功借款8000元以上还有30天免息券可拿! 活动时间:该活动自2021年1月1日起长期有效,活动细则请以App内公示为准 【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。

About

时小融

Features
Read full description

时小融-信贷服务平台,便捷、合规、智能的信贷服务平台。 轻松解决您的资金问题,借款更快捷 (产品优势) 1.安全合规:正规持牌金融机构放款,让您更放心。 2.息费透明:利率合规,借款费用透明可见。 3.申请简单:3项简易认证,线上极速审批。 4.活动多样化:新人首次尊享7天免息券。 (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小融工作人员,以帮助您申请贷款、协商减免还款等理由向你索要佣金,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,并联系时小融官方客服加以核对确认。

Screenshots

时光分期3 screens
时小融4 screens

Verdict

The call

The clearest difference is update cadence: 时小融 at every 8 days against 时光分期's every 3 weeks. 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

时光分期 ships an update every 3 weeks, 时小融 every 8 days. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.

Scorecard1 real difference · 9 level
时光分期 versus 时小融: the parameters behind the verdict, then further details
Parameter时光分期时小融
PriceFreeFree
Rating1.0 (8 ratings) — better—
Positive reviews87.5% of reviews—
Number of ratings8 — better—
Update frequencyEvery 3 weeksEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.012.0 — better
Further details — not scored
Size62 MB58 MB
Age rating4+17+
Developer融360Shishi Huxin (Wuhan) Digital Technology Co., Ltd.

In-app purchases

None

时光分期

No in-app purchases

None

时小融

No in-app purchases

Questions

Is 时光分期 free?
时光分期 is free to download, with no in-app purchases.
Is 时小融 free?
时小融 is free to download, with no in-app purchases.
Do 时光分期 or 时小融 have ads?
Neither 时光分期 nor 时小融 shows ads.
Which is updated more often, 时光分期 or 时小融?
时光分期 ships an update every 3 weeks, and 时小融 every 8 days. Most recently, 时光分期 was updated on October 24, 2026 and 时小融 on October 9, 2026.

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