# 融360 vs 360分期贷

The clearest difference is rating: 融360 at 4.4 against 360分期贷's 1.5. 融360 also leads on ratings volume (41 vs 2). 360分期贷's advantage is review sentiment (100% vs 88%). On price, update cadence, ads 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.

融360 holds the better App Store score, 4.4 against 1.5. That said, the two scores are not equally well evidenced: 融360 has 41 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 88% of 融360's written reviews are positive against 100% of 360分期贷'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, 360分期贷 every 3 weeks. The most recent releases landed on October 12, 2026 and August 12, 2026 respectively.

## The numbers

| Metric | 融360 | 360分期贷 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (41 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews)** | [1.5 (2 ratings)](https://appshunter.io/ios/app/360/id1505284951/reviews) |
| Number of ratings | **41** | 2 |
| Positive reviews | 87.9% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Ad-supported | Ad-supported |
| Size | 104 MB | 81 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## 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


### 360分期贷

[App page](https://appshunter.io/ios/app/360/id1505284951)

This platform offers consumer installment loans with flexible repayment plans and competitive interest rates. It aims to provide quick financial solutions for users, supporting their spending needs and contributing to the real economy. Features include secure transactions and quality assurance for purchases.

**Highlights:** Consumer installment loans, Flexible repayment plans, Competitive interest rates, Secure transactions, Quality assurance for purchases, Online application and approval

**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 360分期贷 free?

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

### Which has better reviews, 融360 or 360分期贷?

融360 is rated higher. 融360 averages 4.4 out of 5 from 41 ratings, while 360分期贷 averages 1.5 from 2 ratings.

### Do 融360 or 360分期贷 have ads?

Both 融360 and 360分期贷 show ads.

### Which is updated more often, 融360 or 360分期贷?

融360 ships an update every 6 weeks, and 360分期贷 every 3 weeks. Most recently, 融360 was updated on October 12, 2026 and 360分期贷 on August 12, 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.*