Best apps like 360借条-分期借款手机借钱借贷贷款平台

7+ similar apps compared and reviewed

3.7 avg rating

7 free apps

Updated September 2026

Fuzhou Qifu Online Microcredit Co., Ltd

Whether you want more options like 360借条 or a completely different take on the same concept, our curated list of 7+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to 360借条

省呗-正规信用贷款分期借钱平台 by 深圳小禾金融服务管理有限公司

低息小额手机信用现金借款合规平台

Editor's Choice

💰 Finance

3.4(75K ratings)

FreeIn-App Purchases

This app provides fast, low-interest personal loans using AI and big data risk control. Users can apply online 24/7 for credit lines up to 200,000 yuan, with quick disbursement and transparent fees. It prioritizes user data security and offers flexible repayment options.

众安小贷-大额分期借款平台 by Chongqing Zhongxian Anxing Technology Co., Ltd.

众安旗下正规持牌贷款平台

Strong Contender

💰 Finance

3.0(16K ratings)

FreeAds

This platform offers unsecured, online consumer loans for individuals and small business owners. It provides fast disbursal with high loan limits and competitive interest rates, secured by professional risk assessment and data encryption.

洋钱罐借款 - 分期贷款借钱平台 by Beijing Lingyue Information Technology Co. Ltd.

最高可借20万

Worth Considering

💰 Finance

4.6😞(521 ratings)

Free

This app provides convenient and stable financial loan services with flexible repayment options. Users can borrow up to 200,000 with a 6-12 month installment plan, all managed through a mobile-first application process. It emphasizes fast disbursement and transparent fees.

What We Love

🚀 Fast loan disbursement
👍 Simple application process
👍 Convenient and practical
👍 Efficient approval process
👍 Low interest rates (mentioned by some)
👍 Clean interface
👍 High credit limits (mentioned by some)
👍 Trustworthy platform (mentioned by some)
👍 Quick loan approval
👍 Reasonable interest rates (mentioned by some)
👍 No hidden fees (mentioned by some)
👍 Solves financial crises
👍 Reliable for small businesses
👍 Good customer service (mentioned by some)

Room to Improve

predatory interest rates
📞 Excessive marketing calls
💸 Unfair charges
🚫 Customer service unresponsive
🔒 Privacy concerns and data selling
📈 High interest rates
📉 Excessive credit checks
🗑️ Scam application
😠 Poor customer service attitude
🚨 Over-marketing and excessive inquiries
⚠️ Information leakage
📞 Aggressive collection tactics
💰 High service fees
📱 Over-reliance on phone contacts
🦹‍♂️ Rogue software
👎 Terrible user experience
💸 High fees and interest
📞 Constant marketing calls and messages
🕵️‍♂️ Data harvesting
🚨 Over-promotion and spam

More apps like 360借条

时光分期-分期借款额度循环

时光金科旗下分期借款平台

Free

This app provides convenient and fast internet consumer credit services through partnerships with numerous banks and licensed financial institutions. It offers quick loan disbursement, simple online applications, and transparent interest rates starting from 7.2% annually. New users can receive a gift package, and larger loans may qualify for interest-free periods.

Fast loan disbursementSimple online applicationCredit limit increase

This platform helps users find and compare financial products like loans and credit cards. It offers personalized recommendations based on user needs and provides financial education resources. Loans are sourced from regulated institutions with flexible repayment options.

Loan amount up to 200,000 CNYLow annual interest rates (7.2%-24%)Flexible repayment options (6, 12, 24 months)

This platform offers quick, online loan applications with no collateral required. It provides transparent interest rates and allows users to track their loan progress easily. Get access to funds up to 200,000 yuan with smart, efficient approval processes.

High loan limits up to 200,000 yuanEasy online application, no collateral neededSmart and efficient approval process

马上金融 (安逸花借款)-正规贷款分期借钱平台

马上消费金融持牌金融机构

Free

This app offers quick and reliable personal loans from a licensed financial institution. Borrow up to 300,000 yuan with fast approval and disbursement, and enjoy opportunities to increase your credit limit. It's designed for convenient online applications and flexible repayment options.

High loan limits up to 300,000 yuanFast approval and disbursement (as quick as 1 minute)Secure and trustworthy lending platform

💰 Finance

(105K)

free with in-app purchases

Compare with 360借条

Best apps like 360借条-分期借款手机借钱借贷贷款平台

Top Alternatives to 360借条

What We LoveHighlights summarized from real App Store user reviews

Room to ImproveCommon complaints summarized from real App Store user reviews

More apps like 360借条

What We Love

Room to Improve