# 奇富借条(原360借条)-手机信用贷款小额借钱平台 — 奇富科技(原360数科)旗下信贷科技服务品牌

> Mobile credit loans with high limits, transparent fees, and flexible repayment. (iPhone/iPad app by Fuzhou Qifu Online Microcredit Co., Ltd.)

- Source: https://appshunter.io/ios/app/360/id1178856715 (this page in markdown: same URL + `.md`)
- Developer: [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632)
- Category: Finance
- Price: Free
- Rating: 4.86/5 from 2,762,669 App Store ratings · 85 written reviews indexed
- Age rating: 17+
- Requires: iOS 13.0 · 93 MB
- Languages: Chinese (Simplified, China)
- Released: 2016-12-16
- Data updated: 2026-08-31
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/360/id1178856715/reviews.md

## What is 奇富借条(原360借条)?

奇富借条（原360借条），是奇富科技旗下信贷科技服务品牌。
【产品特点】
1、手机贷款额度：
审批后最高额度20万元；
2、贷款息费透明：
年化利率（单利）7.2%-24%（以审核为准）；
3、手机贷款更便捷：
贷款全程线上申请，免抵押贷款；使用手机号+身份信息等材料即可申请；奇富借条创新“刷脸”识别，免上门，免纸质材料；
4、安全借贷：
奇富科技旗下产品，具有先进的网络安全技术，为您借钱保驾护航；
5、新人免息规则：
活动开始日期2022年1月1日结束日期2026年12月31日
奇富借条新用户限时最长免息30天，最高免息65元，借12期享最后一期免息;
注：具体券使用规则获取，请以app具体活动页面规则为准！

微信关注“360借条-奇富借条”公众号，第一时间获取奇富借条最新消息！

无惧目标，奇富借条为你撑腰！
PS:
1.贷款额度、利率，放款时间以实际审核为准；
2.优惠活动仅免除部分利息，详细免息方式以APP内活动规则为准；
3.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；
4.投资有风险，选择需谨慎。

## Key features

- High loan limits up to 200,000 yuan
- Transparent interest and fees
- Flexible repayment options (3, 6, 12, 24 months)
- Fully online application with facial recognition
- Secure borrowing with advanced technology
- New user interest-free gift package

## What do users think of 奇富借条(原360借条)?

Overall sentiment: neutral

**Pros**

- 🚀 Fast and efficient
- 💳 Convenient for financial needs
- 👍 Simple and user-friendly
- 🙏 Helpful in emergencies

**Cons**

- 🐛 Crashes and freezes
- 💰 High interest rates
- 🔒 Privacy and security concerns
- 📞 Aggressive marketing and constant calls

**Commonly reported bugs**

- Unreliable loan disbursement
- Difficulties with account cancellation

**Most requested features**

- Improve approval rate
- Provide more transparent pricing
- Offer better customer support

## Recent user reviews (10 of 85)

All indexed reviews: https://appshunter.io/ios/app/360/id1178856715/reviews.md

### 5/5 — 效率很高

*2025-11-05*

还款前一天就很积极的打电话发短信提醒，当天未还就会有一些照着台词念的工作人员重复电话轰炸还有各种短信，逾期2-3天所有人都会知道你借钱了，你的亲朋好友就会远离你让你成为独立的人。虽然会有三天过渡期，但是他们绝对不会让你的征信黑掉，这么贴心的软件为什么不用呢？在这个互联网时代，他家的客服会让你知道什么是人机，即使你说转人工了也能体验到什么是真正的机器人，你富有感情的说自己实在遇到困难了对面也会回答他理解你，但是你的问题是得不到解决的。催收就是富有感情的啦，号码是私人哒，非常有活人感，会全方位问候家人，比我班主任还关心我，会联系我的家人来监督我，还会给我寄法院入场券让我学习！特别贴心，这么好的软件，我用了就行啦，大家不许用！

### 4/5 — Not too bad

*2025-02-14*

Hope better approval rate

### 5/5 — 简单方便快捷

*2025-01-06*

简单方便快捷到帐

### 1/5 — 坑人

*2025-01-02*

软件卡死，还不了后逾期

### 5/5 — 方便快捷解决资金紧张问题

*2024-12-27, version 1.10.39*

申请方便快捷

### 5/5 — yfburd01625

*2024-12-09*

还行

### 5/5 — 牛逼

*2024-11-28*

下款非常快

### 1/5 — 骗人平台

*2024-10-28*

用户还没借到钱 就先欠人家80隐形消费 望广大用户谨慎吧

### 5/5 — 有帮助

*2024-10-11*

感谢雪中送炭，祝平台生意兴隆，财源广进。

### 4/5 — 生活帮手

*2024-10-07*

很好用 生活好帮手 用了好多年了 息还是高了些。
对我们这些诚信老客户要给一定优惠

## Frequently asked questions about 奇富借条(原360借条)

### What is this app?

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.

### What are the key features of this loan app?

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.

### How much does it cost to use this app?

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.

### Who is this app for?

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.

### Is this app safe to use for borrowing money?

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.

## Version history (last 5 releases)

### 2.0.55 — 2026-08-27

【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

### 2.0.53 — 2026-08-12

【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

### 2.0.52 — 2026-07-27

【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

### 2.0.50 — 2026-07-14

【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

### 2.0.49 — 2026-07-01

【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

## Apps similar to 奇富借条(原360借条)

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [拍拍贷借款-借贷:小额分期贷款现金借钱软件](https://appshunter.io/ios/app/id983488107) | 3.8 (70) | Free | Finance |
| [度小满金融-贷款借钱分期平台](https://appshunter.io/ios/app/id1521217278) | 4.2 (54,378) | Free | Finance |
| [省呗-正规信用贷款分期借钱平台](https://appshunter.io/ios/app/id1194313045) | 3.4 (74,745) | Free | Finance |
| [有钱花-信用借款正规分期借钱平台](https://appshunter.io/ios/app/id1393951223) | 4.3 (97,850) | Free | Finance |
| [安逸花-分期借钱信用贷款快速借款平台](https://appshunter.io/ios/app/id1098542282) | 4.7 (2,289,971) | Free | Finance |
| [随星借](https://appshunter.io/ios/app/id1236629993) | 4.7 (264) | Free | Finance |

## More apps by Fuzhou Qifu Online Microcredit Co., Ltd

- [360分期-分期借贷平台](https://appshunter.io/ios/app/360/id1411234513)
- [360信用钱包-手机信用分期借款贷款借钱平台](https://appshunter.io/ios/app/360/id1480502565)
- [360分期贷-信用借钱分期借款短期贷款平台](https://appshunter.io/ios/app/360/id1505284951)
- [奇富周转灵-大额低息经营周转贷款借钱平台](https://appshunter.io/ios/app/id1564047089)
- [360借条-分期借款手机借钱借贷贷款平台](https://appshunter.io/ios/app/360/id1623571691)

All apps by Fuzhou Qifu Online Microcredit Co., Ltd: https://appshunter.io/developer/1273977632

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*