This app provides mobile credit loans with high limits and transparent fees. It offers flexible repayment options, a fully online application process with facial recognition, and secure borrowing. New users can benefit from an interest-free offer.
Summarized from real user reviews of 奇富借条(原360借条). Based on 2.8M reviews and a 4.9/5 average, it highlights the 4 positives and 4 negatives reviewers mention most about this Finance app.
2.0.50
July 14, 2026
【新客福利】优化新手福利，新手借钱享优惠 【申请便捷】优化贷款流程，额度申请更省心 【到账更快】优化贷款流程，现金到账更迅速 【服务升级】优化细节问题，操作服务更贴心
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2 issues
Unreliable loan disbursement
Difficulties with account cancellation
3 requests
Improve approval rate
Provide more transparent pricing
This app is a credit technology service brand that provides mobile credit loans. It is a licensed institution chosen by over 250 million users, offering high loan limits, transparent fees, and flexible repayment options. The entire application process is conducted online, often requiring only a phone number and identity information, with innovative facial recognition technology.
Key features include high loan limits of up to 200,000 yuan, transparent repayment fees starting from as low as 0.12 yuan per day for 1,000 yuan borrowed, and flexible repayment terms of 3, 6, 12, and up to 24 months for eligible users. The application is entirely online and secure, utilizing facial recognition to eliminate the need for physical documents or visits.
The app itself is free to download and use. The costs associated with borrowing are the interest and fees on the loans, which are transparently displayed. For example, borrowing 1,000 yuan for 12 months has daily interest fees starting from 0.12 yuan, with an annualized interest rate (simple interest) starting from 7.2%, subject to actual approval.
This app is designed for individuals who need quick and convenient access to credit loans. It is particularly suitable for those who prefer a fully online application process and are looking for flexible repayment terms and potentially high loan amounts. New users can also take advantage of a special interest-free offer.
Yes, the app is a product under Qifu Technology and emphasizes secure borrowing. It employs advanced network security technology to protect user data and financial transactions. The app is a licensed institution, indicating adherence to regulatory standards for financial services.
