The differences between the two include: different scope of use, different interest-free periods, different interest rates and different loan speeds.

1. Different scope of use: Sweet Orange Baitiao is used in online or offline consumption scenarios; Sweet Orange Loan is used for credit score borrowing and does not require mortgage.

2. Different interest-free periods: The longest interest-free period of Tiancheng Baitiao is 42 days; the interest-free period of Tiancheng loan varies according to different situations.

3. Different interest rates: The installment repayment of Tiancheng Baitiao requires a certain handling fee; the daily interest rate of Tiancheng loan is as low as 0.02%.

4. The lending speed is different: the lending speed of Tiancheng Baitiao is relatively slow; the lending speed of Tiancheng Borrowing is relatively fast.