# 融360 vs 魔借

The clearest difference is review sentiment: 融360 at 88% against 魔借's 0%. 融360 also leads on rating (4.4 vs 2.6) and ratings volume (45 vs 5). 魔借's advantage is iOS requirement (9.0 vs 13.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

融360 holds the better App Store score, 4.4 against 2.6. That said, the two scores are not equally well evidenced: 融360 has 45 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 88% of 融360's written reviews are positive against 0% of 魔借's.

Both ship on a similar rhythm, roughly every 6 weeks. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | 融360 | 魔借 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (45 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews)** | [2.6 (5 ratings)](https://appshunter.io/ios/app/id1197956810/reviews) |
| Number of ratings | **45** | 5 |
| Positive reviews | **87.9% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 6 weeks | Every 6 weeks |
| Monetization | Ad-supported | Ad-supported |
| Size | 104 MB | 53 MB |
| Requires iOS | 13.0 | **9.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [德云晟小额贷款股份有限公司](https://appshunter.io/developer/1464117186) |

## 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


### 魔借

[App page](https://appshunter.io/ios/app/id1197956810)

This platform connects users with lenders for small loans, offering a convenient online application process. It features a broad user base, data-driven approval, flexible loan amounts and terms, and multiple repayment options.

**Highlights:** Online loan application, Lender matching service, Data-driven approval process, Loan amounts from 3,000 to 30,000, Loan terms from 3 to 18 months, Multiple repayment options

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is 融360 free?

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

### Is 魔借 free?

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

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

融360 is rated higher. 融360 averages 4.4 out of 5 from 45 ratings, while 魔借 averages 2.6 from 5 ratings.

### Do 融360 or 魔借 have ads?

Both 融360 and 魔借 show ads.

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

融360 ships an update every 6 weeks, and 魔借 every 6 weeks. Most recently, 融360 was updated on November 6, 2026 and 魔借 on November 2, 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.*