# 时光分期 vs 车主贷

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.

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

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.

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.

## The numbers

| Metric | 时光分期 | 车主贷 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (8 ratings)](https://appshunter.io/ios/app/id946620973/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/e/id6739864877/reviews)** |
| Number of ratings | **8** | 3 |
| Positive reviews | 87.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 5 days** |
| Monetization | Free | Free |
| Size | 61 MB | 9 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [NianYun Tec](https://appshunter.io/developer/1685094131) |

## 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


### 车主贷

[App page](https://appshunter.io/ios/app/e/id6739864877)

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:** 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 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.

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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.*