# 360借条-分期借款手机借钱借贷贷款平台 — 分期贷款信用借钱现金借款平台 > Mobile loan platform offering high limits, flexible repayment, and secure online applications. (iPhone/iPad app by Fuzhou Qifu Online Microcredit Co., Ltd.) - Source: https://appshunter.io/ios/app/360/id1623571691 (this page in markdown: same URL + `.md`) - Developer: [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) - Category: Finance - Price: Free - Rating: 4.67/5 from 50,359 App Store ratings · 72 written reviews indexed - Age rating: 17+ - Requires: iOS 13.0 · 90 MB - Languages: Chinese (Simplified, China) - Released: 2022-05-31 - Data updated: 2026-09-04 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/360/id1623571691/reviews.md ## What is 360借条? 360借条，2024年更名为奇富借条，现仍可使用。是奇富科技旗下信贷科技服务品牌。 【产品特点】 1、手机贷款额度： 审批后最高额度20万元； 2、贷款息费透明： 年化利率（单利）7.2%-24%（以审核为准）； 3、手机贷款更便捷： 贷款全程线上申请，免抵押贷款；使用手机号+身份信息等材料即可申请；360借条创新“刷脸”识别，免上门，免纸质材料； 4、安全借贷： 奇富科技旗下产品，具有先进的网络安全技术，为您借钱保驾护航； 5、新人免息礼包规则： 活动开始日期2022年1月1日结束日期2026年12月31日 参与对象：仅针对360借条新用户； 优惠详情：（限时/7天内）最高免息65元，借12期享最后一期免息； 注：具体券使用规则获取，请以app具体活动页面规则为准！ 微信关注“360借条-奇富借条”公众号，第一时间获取360借条最新消息！ 无惧目标，360借条为你撑腰！ PS: 1.贷款额度、利率，放款时间以实际审核为准； 2.优惠活动仅免除部分利息，详细免息方式以APP内活动规则为准； 3.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； 4.投资有风险，选择需谨慎。 ## Key features - 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 ## Recent user reviews (10 of 72) All indexed reviews: https://appshunter.io/ios/app/360/id1623571691/reviews.md ### 5/5 — 不错的平台 *2026-08-25* 这个软件真的是太爱了只要是资金周转不过来的可以试一试下款速度快利息低值得推存 ### 5/5 — 银借条好 *2026-08-23* 快速申请便利，资料简单易过，特别喜欢这个软件，很喜欢额度灵活，很适合救急特别好用很喜欢特别好用，很不错很好特别喜欢很不错 ### 5/5 — 安全可靠的平台 *2026-08-21* 老牌正规借贷平台，信息保护到位，各项资费一目了然，不用复杂材料，额度特别高，非常方便实用 ### 5/5 — 推荐好用 *2026-08-19* 这个平台陆陆续续也用了很多年了，下款很快资料填写不麻烦，没有其他平台那种无限套娃的情况，额度灵活还款方便 ### 5/5 — 好评安全可靠 *2026-08-15* 申请很便利 资料很简单 通过率高 没有任何隐藏费用 ### 5/5 — 贷款神器 *2026-08-13* 这个软件真的是太爱了 只要是资金周转不过来的 可以试一试下款速度快 利息低值得推存 ### 5/5 — 好用推荐 *2026-08-12* 到账速度很快，客服解答问题也很耐心，整体用下来很安心，靠谱的平台 ### 5/5 — 放款快可靠 *2026-08-11* 生活中总有困难的时候，这个平台放款快额度高解决了大问题。 ### 5/5 — 很可靠解决了我燃眉之急 *2026-08-07* 审核完资料后下款就很快了，利息也挺低的，客服都挺好的也有回应很有耐心 ### 5/5 — 挺好用的 *2026-08-02* 下载速度快，用起来方便，操作也很简单，整体体验感还可以 ## Frequently asked questions about 360借条 ### 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. ## Version history (last 5 releases) ### 2.0.55 — 2026-08-27 【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 ### 2.0.53 — 2026-08-12 【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 ### 2.0.52 — 2026-08-04 【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 ### 2.0.48 — 2026-06-17 【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 ### 2.0.47 — 2026-06-09 【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 ## Apps similar to 360借条 | App | Rating | Price | Category | | --- | --- | --- | --- | | [米米钱包-现金普惠金融理财官方平台app](https://appshunter.io/ios/app/app/id1070462607) | — | Free | Finance | | [钱进袋借款](https://appshunter.io/ios/app/id1333869105) | — | 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 | | [逸享花-小额贷款借钱秒批现金分期借钱贷款平台](https://appshunter.io/ios/app/id1569382002) | 5.0 (1) | Free | Finance | | [秒借-极速借钱信用借贷普惠金融app](https://appshunter.io/ios/app/app/id6443591930) | 2.5 (2) | Free | Finance | | [秒借钱包-极速借款之手机借钱贷款app](https://appshunter.io/ios/app/app/id1324473128) | — | 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信用钱包-手机信用分期借款贷款借钱平台](https://appshunter.io/ios/app/360/id1480502565) - [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) All apps by Fuzhou Qifu Online Microcredit Co., Ltd: https://appshunter.io/developer/1273977632 --- *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 2026-09-04.*