# 360信用钱包-手机信用分期借款贷款借钱平台 — 奇富科技(原360数科)旗下大额信用借钱平台 > Personal credit assessment and installment loan platform for consumer finance. (iPhone/iPad app by Fuzhou Qifu Online Microcredit Co., Ltd.) - Source: https://appshunter.io/ios/app/360/id1480502565 (this page in markdown: same URL + `.md`) - Developer: [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) - Category: Finance, Utilities - Price: Free - Rating: 1.00/5 from 5 App Store ratings · 22 written reviews indexed - Age rating: 17+ - Requires: iOS 13.0 · 83 MB - Languages: Chinese (Simplified, China) - Released: 2019-10-11 - Data updated: 2026-09-03 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/360/id1480502565/reviews.md ## What is 360信用钱包? 产品优势： - 360信用钱包是美股上市公司奇富科技旗下的金融科技平台。 - 通过云计算、机器学习、大数据等技术客观评估个人信用，致力于为用户打造专业的消费金融科技平台。平台亦会提供分期购，分期借等多种现金消费形式，旨在向用户提供正规、便捷、省心的分期消费体验，提升用户的消费生活品质。 - 先消费后还款，分期立享所爱 - 费率透明：年化利率(单利)7.2%-24%（以审核为准）； 温馨提示： - 客服/投诉热线：400-6030360（周一至周日：8:00 - 24:00） - 贷款额度、利率，放款时间以实际审核为准; - 福利活动仅抵扣部分利息，详细优惠方式以APP内活动规则为准； (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) - 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。 ## Key features - Personal credit assessment - Installment purchases - Cash loans - Consumer finance - Big data technology - Machine learning ## Recent user reviews (10 of 22) All indexed reviews: https://appshunter.io/ios/app/360/id1480502565/reviews.md ### 1/5 — 有额度也骗人 *2026-06-13* 借不出来，坑蒙拐骗要开会员 ### 1/5 — 捆绑付费会员 *2025-09-04* sb平台在不知情的情况下捆绑销售会员！ ### 5/5 — 人性化 *2022-08-24* 就你们自己也不看看为什么从安全界的龙头到现在十个手机都看不到的影子，什么原因自己心里没点数。一旦《🉑️tao各种分qi乐花贝jd佰条鑫用佧等等》看名字)》逾期客服人员就咬你!威胁侮辱都用得上。手头上没钱才借的钱，如果有也不会找他们借了!临时还不上，跟客服人员说开工资马上还，人身攻击各种开始。真的是无所不用其极。这个东西跟吸毒一样，沾上了想戒掉很难，以贷养贷这种方法只会让人越陷越深。大家及时止损吧。评论里水军有多少就不知道了。客观来说，这软件确实解决你的燃眉之急，但是到了还款期末还，之后每天最少三通电话，一个星期后就打遍通讯录，威胁言语。而且要求绑定好多什么乱七八糟的，总之你的信息完全暴露。劝大家没有必要的话真的不要借网贷。多人性化一点不好吗?想想就后怕 ### 5/5 — 大家小心 *2022-04-25* 我当时是因为关闭了自动还款功能导致逾期几天没有及时还款，当时客服信誓旦旦的保证不会影响征信，现在我的征信严重影响了我，客服好像人间蒸发直接联系不上！ ### 5/5 — 好好用 *2021-10-01* 这是一款不错的借款软件，平台会提供分期购，分期借的多中消费形式，不想和朋友家人借钱的，下载这个软件，挺好用的借钱软件，授信高也挺好用，注册还有客服也很好，借钱方便，所以是值得推荐的软件。 ### 5/5 — 好用 *2021-09-26* 这是一款不错的借款软件， 平台会 提供分期购，分期借等多种消费形式，不想和朋友家人借钱的，下载这个软件，挺好用的借钱软件，授信高也挺快，注册还有客服也很好，借钱方便，所以是值得推荐的软件! ### 5/5 — 推荐 *2021-08-29* 找了好久终于找到一款这么实用借款软件，相比同类产品我觉得它真的比其他的要好用些。借款之类的很方便，真的推荐下载这个软件啊！ ### 5/5 — 小涵零花 *2020-11-28* 挺不错的 关键时刻可以急用 按时还款有利于加强信用 分期灵活 还贷压力较小 相比其他借贷平台 更加的安全可靠 值得好评的一个借贷软件 ### 5/5 — 不要相信 *2020-03-23* 网贷害人，给五分只是想很多人看到，网贷只会越借越多，最后利滚利，本人已上岸，以后不再碰任何网贷，最后要谢谢家里人帮了我，下载的先看看差评 ### 5/5 — 写个好评让大家看见 *2020-01-20* 这个软件就是来骗你的个人信息的。现在差的严。大多数贷款软件都不会放款。大家不要再上当了 ## Frequently asked questions about 360信用钱包 ### What is 360信用钱包? 360信用钱包 is a financial technology platform under Qifu Technology, offering personal credit assessment and installment loan services. It aims to provide users with convenient and reliable installment consumption experiences. ### How does 360信用钱包 assess credit? The platform uses technologies like cloud computing, machine learning, and big data to objectively assess an individual's creditworthiness. This helps in providing personalized financial services. ### What types of services does 360信用钱包 offer? It offers various cash consumption forms, including installment purchases and installment loans. The goal is to enhance users' quality of life through flexible spending options. ### Is 360信用钱包 available on all devices? Based on the provided data, 360信用钱包 is supported on iPhone and iPod devices. Compatibility with other platforms like Android is not specified. ### What is the customer service contact for 360信用钱包? The customer service and complaint hotline for 360信用钱包 is 400-6030360. They are available daily from 8:00 to 24:00. ### What is the rating of 360信用钱包? 360信用钱包 has a rating of 1.0 stars from 4 ratings. This indicates a low user satisfaction based on the available data. ### When was 360信用钱包 last updated? The latest version of 360信用钱包 is 2.0.44, and it was last updated on May 6, 2026. This indicates a future-dated update, which might be an error in the provided data. ### Are there any risks associated with borrowing from 360信用钱包? Yes, borrowing involves risks. The platform advises users to borrow reasonably according to their ability, consume rationally, and avoid overdue payments. Loan amounts, interest rates, and disbursement times are subject to actual review. ## Version history (last 5 releases) ### 2.0.55 — 2026-08-27 修复一些已知问题，优化用户体验。 ### 2.0.53 — 2026-08-12 修复一些已知问题，优化用户体验。 ### 2.0.50 — 2026-07-14 修复一些已知问题，优化用户体验。 ### 2.0.47 — 2026-06-14 修复一些已知问题，优化用户体验。 ### 2.0.46 — 2026-06-03 修复一些已知问题，优化用户体验。 ## Apps similar to 360信用钱包 | App | Rating | Price | Category | | --- | --- | --- | --- | | [虫虫借钱-手机贷款平台](https://appshunter.io/ios/app/id1445514265) | — | Free | Finance | | [国美金融-贷款理财平台](https://appshunter.io/ios/app/id1064826802) | — | Free | Finance | | [中原提钱花-正规大额借钱长周期贷款平台](https://appshunter.io/ios/app/id1518722931) | 5.0 (6) | Free | Finance | | [还享借-手机借钱之安逸花](https://appshunter.io/ios/app/id1444971922) | — | Free | Finance | | [携程借款-小额贷款平台](https://appshunter.io/ios/app/id1536863123) | 1.0 (1) | Free | Finance | | [钱小乐—信用贷款分期借钱平台](https://appshunter.io/ios/app/id1455814939) | 1.0 (1) | Free | Finance | ## More apps by Fuzhou Qifu Online Microcredit Co., Ltd - [奇富借条(原360借条)-手机信用贷款小额借钱平台](https://appshunter.io/ios/app/360/id1178856715) - [360分期-分期借贷平台](https://appshunter.io/ios/app/360/id1411234513) - [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 ## Related topics [借钱](https://appshunter.io/ios/topics/借钱) · [630](https://appshunter.io/ios/topics/630) --- *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 2026-09-03.*