Comparison

时光分期 vs 车主贷

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,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

About

车主贷

This app provides car owners with loan services, offering high loan amounts and flexible repayment options. It features a simple online application process with transparent fees and is backed by reputable financial institutions.

Highlights
  • High loan amounts (30,000 - 1,000,000 CNY)
  • Simple online application
  • Low annual interest rates from 6%
  • No additional service fees
  • Flexible installment payments
  • Funds from regulated banks
Features
Read full description

车主贷,官方汽车贷款担保,全国覆盖,0服务费! -银行等金融机构放款!不押车,利率优,期限长! 【产品特点】 1、额度高:借款3万~100万元(以实际审批为准) 2、申请易:手机线上申请,填写资料简单; 3、正规化:由银行等机构直接提供资金,持牌机构安全无忧; 4、分期还:灵活分期,借款一般可分36期还款; 5、费息透明:年化利率6%~24%(单利),无额外手续费(具体以实际以审核为准); 6、申请门槛:22-55周岁车主,有车人群凭真是有效个人信息和手机号就可以申请; 【关于我们】 融悦车主贷(简称:车主贷)融悦集团旗下产品,为有需要的客户和金融机构提供全流程科技以及服务,正规持牌金融机构,资金和隐私安全有保证。车主贷提供的金融机构信贷产品额度高、还款方式多样灵活,流程透明简单方便快捷,帮您解决经济问题! 【风险提示】 -贷款有风险,借款需谨慎; -最终贷款额度、利率、放款时间等以资金方实际审批结果为准; -请根据个人能力合理贷款,理性消费,避免逾期。

Screenshots

时光分期4 screens
车主贷3 screens

Verdict

The call

The clearest difference is rating: 车主贷 at 5.0 against 时光分期's 1.0. 车主贷 also leads on update cadence (every 5 days vs every 3 weeks). 时光分期's advantage is iOS requirement (13.0 vs 15.6). On price, ratings volume, ads and in-app purchases 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.

ReceptionRating · Positive reviews · Number of ratings

车主贷 holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 8 and 3 respectively.

UpkeepUpdate frequency

时光分期 ships an update every 3 weeks, 车主贷 every 5 days. The most recent releases landed on November 11, 2026 and November 4, 2026 respectively.

Scorecard3 real differences · 7 level
时光分期 versus 车主贷: the parameters behind the verdict, then further details
Parameter时光分期车主贷
PriceFreeFree
Rating1.0 (8 ratings)5.0 (3 ratings) — better
Positive reviews87.5% of reviews—
Number of ratings8 — better3
Update frequencyEvery 3 weeksEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size61 MB9 MB
Age rating4+17+
Developer融360NianYun Tec

Customer experience

时光分期

All ratings8 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews24 reviews
Positive87.5%
Neutral0.0%
Negative12.5%

车主贷

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

时光分期

No in-app purchases

None

车主贷

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 车主贷 free?
车主贷 is free to download, with no in-app purchases.
Which has better reviews, 时光分期 or 车主贷?
车主贷 is rated higher. 时光分期 averages 1.0 out of 5 from 8 ratings, while 车主贷 averages 5.0 from 3 ratings.
Do 时光分期 or 车主贷 have ads?
Neither 时光分期 nor 车主贷 shows ads.
Which is updated more often, 时光分期 or 车主贷?
时光分期 ships an update every 3 weeks, and 车主贷 every 5 days. Most recently, 时光分期 was updated on November 11, 2026 and 车主贷 on November 4, 2026.

Other comparisons