值得推荐
大品牌 值得推荐 线上审核 资料简单 易通过 放款速度快
小小叁@
非常好
非常不错的软件在里面手机分期贷款现金借贷很方便的软件
我我们生过比你听
急用钱的好软件
大公司背景还是比较靠谱的，每次使用下款都很快，利息方面个人感觉也不高，操作简单不繁琐，推荐
斯斯蒂漓的银妆刀
这个是真的很好用
这个借款平台真的很不错，审核速度快，打款速度也很快，非常不错的周转神器，特别推荐这个平台
小小陈的新皮肤
挺好的吧
挺好的速度特别快 打钱速度快 可以试试
我我God怕了了可低
Free
About
This platform offers convenient mobile loans with high credit limits and transparent fee structures. Enjoy flexible repayment options and a secure, entirely online application process. New users can benefit from special interest-free offers.
✓High loan limits up to 200,000 CNY
✓Transparent interest rates starting from 7.2% annualized
✓Flexible repayment terms (3, 6, 12, up to 24 months)
✓Fully online application, no collateral needed
✓Facial recognition for quick verification
✓Secure lending with advanced technology
Show original description
What's New in 360借条
2.0.61
October 30, 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
MoreUser reviews
Developer apps
FAQ
What is the maximum loan amount available on 360借条?
After approval, users can access loan amounts of up to 200,000 CNY. The specific amount granted will depend on the individual's credit assessment.
How transparent are the fees and interest rates on 360借条?
The platform states that interest rates start from 7.2% annualized (simple interest), with daily interest fees as low as 0.12 CNY per 1,000 CNY borrowed over 12 months. All fees are subject to final audit.
What repayment options does 360借条 offer?
Repayment is flexible, allowing users to choose terms of 3, 6, or 12 months. Longer terms of up to 24 months may be available for premium users.
Is the loan application process on 360借条 entirely online?
Yes, the entire loan application process is conducted online, requiring only a mobile number and identity information. It is a collateral-free loan, and the app uses facial recognition to avoid the need for in-person visits or paper documents.
Does 360借条 offer any special promotions for new users?
Yes, new users can receive a special interest-free gift package until December 31, 2025. This offer provides up to 65 CNY in interest-free credit, with the last installment being interest-free for loans taken over 12 months.
How secure is 360借条?
360借条 is a product of Qifu Technology and employs advanced network security technology to protect user data and lending activities. It is a licensed institution with over 250 million users.
What is the update frequency for 360借条?
The app was last updated on April 24, 2025, indicating regular maintenance and updates. The latest version available is 2.0.6.
What is the user rating for 360借条?
360借条 has a user rating of 3.8 stars based on 11 ratings. This suggests a generally positive but mixed user reception.
