# 时光分期 vs 时小融

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.

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

时光分期 ships an update every 3 weeks, 时小融 every 8 days. The most recent releases landed on October 26, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | 时光分期 | 时小融 |
| --- | --- | --- |
| 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 | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 8 days** |
| Monetization | Free | — |
| Size | 62 MB | 58 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [Shishi Huxin (Wuhan) Digital Technology Co., Ltd.](https://appshunter.io/developer/1735701583) |

## 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


### 时小融

[App page](https://appshunter.io/ios/app/id6479358893)

**Features:** macOS Compatibility

**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 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 26, 2026 and 时小融 on October 9, 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.*