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Comparison

融360 vs 洋钱罐借款

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
融360-贷款、信用卡资讯
融360

移动金融智选平台

Free
💰 Finance
★ 4.442 ratingsView app →
洋钱罐借款 - 分期贷款借钱平台
洋钱罐借款

最高可借20万

Free
💰 Finance
★ 4.6502 ratingsView app →
About

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.

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
Read full description

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

About

洋钱罐借款

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.

Highlights
  • High loan limits up to 200,000
  • Fast disbursement, starting from 5 minutes
  • 6-12 month installment repayment
  • Transparent annualized interest rates starting from 7.2%
  • Secure privacy protection measures
  • Fully mobile application process
Features
Read full description

洋钱罐借款致力于通过科技提高金融服务的品质与效率，实现“科技助力金融机构 智慧改变信用生活”的使命，为有需求的用户提供方便、稳定、便捷的金融借款服务，可以分6-12期还款。申请便捷，全程手机操作！ 【洋钱罐借款5大优势】 【额度高】最高额度至20万！ 【放款快】借款流程简单，在线自动化审批，到账时间5分钟起！ 【分期长】6-12个月分期还款，无抵押贷款！ 【息费透明】年化综合息费率（单利）7.2%起（以审核为准）！ 【安全保障】多重隐私保护措施，防止信息泄露！ 温馨提示： 1.贷款有风险，借款需谨慎，请根据个人经济能力合理贷款，合理消费，避免逾期； 2.贷款额度、利率、放款时间以实际审核为准。 3.洋钱罐借款为网络借贷信息中介服务平台，将严格遵守有关法律法规。请您务必提供真实申请资料。 【联系我们】 客服电话：400-034-6868

Screenshots

融3604 screens
洋钱罐借款4 screens

Verdict

The call

融360 and 洋钱罐借款 both sit at 4.4 stars, but that hides the real split: 88% of 融360's written reviews are positive against 49% of 洋钱罐借款's. 洋钱罐借款's advantage is ads (none vs shown) and update cadence (every 2 weeks vs every 6 weeks). On price, rating, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

洋钱罐借款 holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: 洋钱罐借款 has 502 ratings behind it against 42, so its average is the more settled of the two. Written reviews complicate that: 88% of 融360's written reviews are positive against 49% of 洋钱罐借款's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

融360 ships an update every 6 weeks, 洋钱罐借款 every 2 weeks. Both last shipped on October 29, 2026.

Scorecard5 real differences · 5 level
融360 versus 洋钱罐借款: the parameters behind the verdict, then further details
Parameter融360洋钱罐借款
PriceFreeFree
Rating4.4 (42 ratings)4.6 (502 ratings) — better
Positive reviews87.9% of reviews — better49.1% of reviews
Number of ratings42502 — better
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size104 MB84 MB
Age rating17+17+
Developer融360Beijing Lingyue Information Technology Co. Ltd.

Customer experience

融360

All ratings41 ratings
Positive85.4%
Neutral0.0%
Negative14.6%
Written reviews33 reviews
Positive87.9%
Neutral0.0%
Negative12.1%

洋钱罐借款

All ratings521 ratings
Positive90.8%
Neutral0.6%
Negative8.6%
Written reviews53 reviews
Positive49.1%
Neutral0.0%
Negative50.9%

Bugs and requests

融360

Not enough reviews yet to summarise bugs or requests.

洋钱罐借款

Reported bugs

5 issues
  • Verification codes not received for cancellation
  • App crashes or freezes
  • Inability to borrow after submitting all information
  • System robot calls are frequent
  • Difficulty in repayment through multiple channels

Requested features

7 requests
  • Improve customer service responsiveness
  • Add more repayment options
  • Reduce marketing messages
  • Allow easier account cancellation
  • Improve credit check process to avoid wasting user time
Show 2 more
  • Offer higher credit limits for repeat users
  • Provide clearer information on fees and interest

In-app purchases

None

融360

No in-app purchases

None

洋钱罐借款

No in-app purchases

Questions

Is 融360 free?
融360 is free to download, with no in-app purchases.
Is 洋钱罐借款 free?
洋钱罐借款 is free to download, with no in-app purchases.
Which has better reviews, 融360 or 洋钱罐借款?
洋钱罐借款 is rated higher. 融360 averages 4.4 out of 5 from 42 ratings, while 洋钱罐借款 averages 4.6 from 502 ratings.
Do 融360 or 洋钱罐借款 have ads?
融360 shows ads; 洋钱罐借款 does not.
Which is updated more often, 融360 or 洋钱罐借款?
融360 ships an update every 6 weeks, and 洋钱罐借款 every 2 weeks. Most recently, 融360 was updated on October 29, 2026 and 洋钱罐借款 on October 29, 2026.

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