融360 vs 万卡
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
融360
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 CNY
- Low annual interest rates (7.2%-24%)
- Flexible repayment options (6, 12, 24 months)
- Loans from regulated financial institutions
- Financial education and industry reports
- AI-powered product matching
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融360(www.rong360.com)成立于2011年10月，以“让金融更简单，成为每个人的金融伙伴”为使命与愿景。2017年11月16日，融360旗下简普科技在美国成功上市。 【产品特点】 1、贷款额度：最高额度20万元。 2、安全借贷：贷款资金由正规持牌金融机构提供。 3、利率优势：贷款年化利率 7.2%-24%（以审核为准）。 4、还款灵活：可根据实际需求灵活选择不同还款方式（可分6期，12期，24期等还款方式）。 5、服务优质：我们深知您的难和急。暖心的服务是我们理应为您真情奉献的。 融360平台通过大数据分析、人工智能和机器学习技术，为个人消费者、小微企业、个体工商户提供金融产品的搜索、匹配、推荐服务。此外，融360还免费为用户提供金融教育、行业报告等内容服务。 【温馨提示】 不同产品通过率、贷款额度、贷款利率、放款时间差异较大,具体以金融机构实际审批放款为准； 贷款有风险、借款需谨慎，请依据个人能力合理贷款，理性消费，避免逾期 联系我们 【官方网站】http://m.rong360.com 【官方微信公众号】融360 【客服电话】10100360或4008-905-360
万卡
This platform offers a revolving credit line for personal loans, accessible with just an ID and bank card. It provides quick online approval for amounts up to 200,000 yuan, with flexible repayment options and transparent, low daily interest rates.
- Revolving credit line
- High loan amounts up to 200,000 yuan
- Fast online approval
- Easy application with ID and bank card
- Flexible repayment options
- Low daily interest rates
- Transparent fees
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万卡是一款循环额度的信用贷款信息服务平台，凭身份证+银行卡即可在线申请，快速审批，额度至高可达20万。 【产品介绍】 1.额度高 额度最高可达200000元（以实际审批额度为准），可以循环使用 2.放款快 实时在线审批，效率高 3.申请方便 凭身份证+银行卡即可快速申请，线上操作 4.还款灵活 支持随借随还/定期还款 5.利息低 按日计息，息费透明 【温馨提示】实际额度以审批结果为准，请珍视信用，按时还款，勿过度举债
Screenshots
Verdict
融360 and 万卡 both sit at 4.4 stars, but that hides the real split: 88% of 融360's written reviews are positive against 59% of 万卡's. 万卡's advantage is ratings volume (321K vs 45). On price, rating, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.4 for 融360 against 4.6 for 万卡. That said, the two scores are not equally well evidenced: 万卡 has 321K ratings behind it against 45, so its average is the more settled of the two. Written reviews are what separate them: 88% of 融360's written reviews are positive against 59% of 万卡's.
融360 ships an update every 6 weeks, 万卡 every 2 months. The most recent releases landed on November 11, 2026 and November 12, 2026 respectively.
| Parameter | 融360 | 万卡 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (45 ratings) | 4.6 (321K ratings) — better |
| Positive reviews | 87.9% of reviews — better | 58.8% of reviews |
| Number of ratings | 45 | 321K — better |
| Update frequency | Every 6 weeks — better | Every 2 months |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Ad-supported | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 104 MB | 52 MB |
| Age rating | 17+ | 17+ |
| Developer | 融360 | Guangxi Wanka Artificial Intelligence Technology Co., Ltd |
Customer experience
融360
万卡
In-app purchases
融360
No in-app purchases
万卡
No in-app purchases
