# 融360 vs 你我贷借款

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.

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.

## The numbers

| Metric | 融360 | 你我贷借款 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (45 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews) | **[4.6 (176K ratings)](https://appshunter.io/ios/app/id1435751286/reviews)** |
| Number of ratings | 45 | **176K** |
| Positive reviews | **87.9% of reviews** | 81.5% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | Ad-supported | **Free** |
| Size | 104 MB | 177 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [重庆珈齐珩科技有限公司](https://appshunter.io/developer/6810991023) |

## 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


### 你我贷借款

[App page](https://appshunter.io/ios/app/id1435751286)

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.

**Highlights:** 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)

**Features:** 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 你我贷借款 free?

你我贷借款 is free to download, with no in-app purchases.

### Which has better reviews, 融360 or 你我贷借款?

你我贷借款 is rated higher. 融360 averages 4.4 out of 5 from 45 ratings, while 你我贷借款 averages 4.6 from 176K ratings.

### Do 融360 or 你我贷借款 have ads?

融360 shows ads; 你我贷借款 does not.

### Which is updated more often, 融360 or 你我贷借款?

融360 ships an update every 6 weeks, and 你我贷借款 fortnightly. Most recently, 融360 was updated on November 6, 2026 and 你我贷借款 on November 7, 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.*