好！
着急用钱的时候就下这个软件，审核速度非常快！合作银行也很多，匹配资金又快又靠谱！值得推荐！
流程规范利息透明
利率合理清晰，费用透明无套路，保护隐私很安全，放款高效客服专业耐心。
挺省心的吧
比较安全放心的借款平台，老品牌了，流程简单下款快，额度也挺高，为资金周转提供便利。
用钱首选
着急用钱的时候就下这个软件 审核速度非常快 合作银行多匹配资金快 靠谱
不错的平台
比较安全放心的借款平台，老品牌了，流程简单下款快，额度也挺高，为资金周转提供便利
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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
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What's New in 360借条
2.0.48
June 17, 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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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.
