融360 vs 你我贷借款
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
你我贷借款
This finance app offers high loan limits up to 200,000 yuan with easy online applications and no collateral required. It features intelligent review processes and transparent interest rates ranging from 7.2% to 24% annually.
- High loan limits up to 200,000 yuan
- Easy online application
- No collateral required
- Intelligent review process
- Loan progress tracking
- Transparent interest rates (7.2%-24% APR)
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【产品特点】 1、额度高：额度最高20万元 2、申请易：线上申请，无抵押 3、效率高：智能审核 4、操作易：借款进度随时可查 5、费息透明：年化利率7.2%-24%（单利），实际以审核为准 【关于我们】 你我贷借款APP运用互联网安全技术和大数据技术，基于海量用户信用数据及行为数据为有需求的用户提供方便、稳定、便捷的金融借款服务，申请方便，息费透明，年化利率7.2%-24%（单利）。 【温馨提示】 贷款额度、放款时间以实际审批结果为准； 实际放款以借款合同约定为准； 贷款有风险，借款需谨慎； 请根据个人能力合理借款，理性消费，避免逾期。 客服热线：4000627626，人工服务时间（非节假日8：00-21：00，节假日9：00-19：00）
Screenshots
Verdict
The clearest difference is ads: 你我贷借款 at none against 融360's shown. 你我贷借款 also leads on ratings volume (176K vs 45) and update cadence (fortnightly vs every 6 weeks). 融360's advantage is iOS requirement (13.0 vs 15.0). On price, rating, review sentiment and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
你我贷借款 holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: 你我贷借款 has 176K 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 81% of 你我贷借款'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, 你我贷借款 fortnightly. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.
| Parameter | 融360 | 你我贷借款 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (45 ratings) | 4.6 (176K ratings) — better |
| Positive reviews | 87.9% of reviews — better | 81.5% of reviews |
| Number of ratings | 45 | 176K — better |
| Update frequency | Every 6 weeks | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 104 MB | 177 MB |
| Age rating | 17+ | 17+ |
| Developer | 融360 | 重庆珈齐珩科技有限公司 |
Customer experience
融360
你我贷借款
In-app purchases
融360
No in-app purchases
你我贷借款
No in-app purchases
