# 融360 vs 洋钱罐借款

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.

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

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.

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

## The numbers

| Metric | 融360 | 洋钱罐借款 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (42 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews) | **[4.6 (502 ratings)](https://appshunter.io/ios/app/id1410049631/reviews)** |
| Number of ratings | 42 | **502** |
| Positive reviews | **87.9% of reviews** | 49.1% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Every 2 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 104 MB | 84 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [Beijing Lingyue Information Technology Co. Ltd.](https://appshunter.io/developer/1052663958) |

## 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


### 洋钱罐借款

[App page](https://appshunter.io/ios/app/id1410049631)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast loan disbursement
- 👍 Simple application process
- 👍 Convenient and practical
- 👍 Efficient approval process
- 👍 Low interest rates (mentioned by some)

**What reviewers complain about**

-  predatory interest rates
- 📞 Excessive marketing calls
- 💸 Unfair charges
- 🚫 Customer service unresponsive
- 🔒 Privacy concerns and data selling

**Reported bugs**

- 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**

- Improve customer service responsiveness
- Add more repayment options
- Reduce marketing messages
- Allow easier account cancellation
- Improve credit check process to avoid wasting user time


## Frequently asked 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.

---

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