# 融360 vs 万卡

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.

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 13, 2026 respectively.

## The numbers

| Metric | 融360 | 万卡 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (45 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews) | **[4.6 (321K ratings)](https://appshunter.io/ios/app/id1192163634/reviews)** |
| Number of ratings | 45 | **321K** |
| Positive reviews | **87.9% of reviews** | 58.8% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Ad-supported | Ad-supported |
| Size | 104 MB | 52 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [Guangxi Wanka Artificial Intelligence Technology Co., Ltd](https://appshunter.io/developer/1220728275) |

## What reviewers say

### 融360

[App page](https://appshunter.io/ios/app/360/id1026689855)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### 万卡

[App page](https://appshunter.io/ios/app/id1192163634)

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.

**Highlights:** 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

**In-app purchases:** none


## Frequently asked questions

### Is 融360 free?

融360 is free to download, with no in-app purchases.

### Is 万卡 free?

万卡 is free to download, with no in-app purchases.

### Which has better reviews, 融360 or 万卡?

万卡 is rated higher. 融360 averages 4.4 out of 5 from 45 ratings, while 万卡 averages 4.6 from 321K ratings.

### Do 融360 or 万卡 have ads?

Both 融360 and 万卡 show ads.

### Which is updated more often, 融360 or 万卡?

融360 ships an update every 6 weeks, and 万卡 every 2 months. Most recently, 融360 was updated on November 11, 2026 and 万卡 on November 13, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*