好平台
不错不错，没钱用了朋友们手头紧的可以看看，操作简单，发款快捷，客服服务好
急用钱必备软件
非常可靠的手机借款平台，利息透明不乱扣费，下款速度快
简单易过
界面友好，简单易过，可以快速申请，又便利，小微专享，现在新人还有免息一个月
很专业的平台
申请真的很方便，需要简单的资料就可以，审核也相当的快速，放款也快，利息也还可以，挺好的呀
非常好用
特别好用 新人有很多福利 借钱比较容易 没有很多复杂的材料还没有广告 值得推荐
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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
2.0.57
September 16, 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.
