# 融360 vs 携程金融

The clearest difference is ads: 携程金融 at none against 融360's shown. 携程金融 also leads on rating (4.9 vs 4.4) and ratings volume (69K vs 45). 融360's advantage is review sentiment (88% vs 71%) and iOS requirement (13.0 vs 15.0). On price, update cadence, in-app purchases and monetization model there is nothing between them.

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

携程金融 holds the better App Store score, 4.9 against 4.4. That said, the two scores are not equally well evidenced: 携程金融 has 69K ratings behind it against 45, so its average is the more settled of the two. Written reviews complicate that: 88% of 融360's written reviews are positive against 71% of 携程金融's, so the app with the better star average is not the one people write more warmly about.

融360 ships an update every 6 weeks, 携程金融 monthly. Both last shipped on November 11, 2026.

## The numbers

| Metric | 融360 | 携程金融 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (45 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews) | **[4.9 (69K ratings)](https://appshunter.io/ios/app/id1388731823/reviews)** |
| Number of ratings | 45 | **69K** |
| Positive reviews | **87.9% of reviews** | 71.4% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Monthly** |
| Monetization | Ad-supported | Ad-supported |
| Size | 104 MB | 138 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [携程科技(上海)有限公司](https://appshunter.io/developer/1536863125) |

## 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


### 携程金融

[App page](https://appshunter.io/ios/app/id1388731823)

This financial platform offers quick and secure loan services, with options for personal credit, installment payments, and interest-free travel bookings. It aims to help users manage their finances with transparent fees and official brand backing.

**Highlights:** Convenient borrowing up to 200,000, New user interest-free trial, Installment payments for purchases, Interest-free travel bookings, Secure, encrypted transactions, Transparent fees and charges

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 融360 free?

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

### Is 携程金融 free?

携程金融 is free to download, with no in-app purchases.

### Which has better reviews, 融360 or 携程金融?

携程金融 is rated higher. 融360 averages 4.4 out of 5 from 45 ratings, while 携程金融 averages 4.9 from 69K ratings.

### Do 融360 or 携程金融 have ads?

融360 shows ads; 携程金融 does not.

### Which is updated more often, 融360 or 携程金融?

融360 ships an update every 6 weeks, and 携程金融 monthly. Most recently, 融360 was updated on November 11, 2026 and 携程金融 on November 11, 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.*