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.
2.0.58
September 28, 2026
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MoreAfter approval, users can access loan amounts of up to 200,000 CNY. The specific amount granted will depend on the individual's credit assessment.
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.
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.
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.
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.
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.
The app was last updated on April 24, 2025, indicating regular maintenance and updates. The latest version available is 2.0.6.
360借条 has a user rating of 3.8 stars based on 11 ratings. This suggests a generally positive but mixed user reception.
