# 融360 vs 平安消费金融

The clearest difference is rating: 融360 at 4.4 against 平安消费金融's 3.4. 融360 also leads on review sentiment (88% vs 58%) and monetization model (ad-supported vs free with in-app purchases). 平安消费金融's advantage is ads (none vs shown) and update cadence (every 3 weeks vs every 6 weeks). On price, in-app purchases, device support and iOS requirement 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 3.4. That said, the two scores are not equally well evidenced: 融360 has 42 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 88% of 融360's written reviews are positive against 58% of 平安消费金融's.

融360 ships an update every 6 weeks, 平安消费金融 every 3 weeks. Both last shipped on October 29, 2026.

## The numbers

| Metric | 融360 | 平安消费金融 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (42 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews)** | [3.4 (5 ratings)](https://appshunter.io/ios/app/id1516206989/reviews) |
| Number of ratings | **42** | 5 |
| Positive reviews | **87.9% of reviews** | 58.3% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 104 MB | 65 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [融360](https://appshunter.io/developer/562807898) | [平安消费金融有限公司](https://appshunter.io/developer/1516206988) |

## 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


### 平安消费金融

[App page](https://appshunter.io/ios/app/id1516206989)

This app provides personal revolving consumer credit loans, allowing users to borrow money quickly and conveniently through a mobile-first process. It offers flexible loan amounts and 24/7 access to funds, with interest only charged on amounts used.

**Highlights:** Personal revolving credit loans, Fast mobile application process, Loan amounts from 500 to 200,000 RMB, 24/7 borrowing access, Interest only on used funds, Annual interest rates from 4%-24%

**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 平安消费金融 free?

平安消费金融 is free to download, with no in-app purchases.

### Which has better reviews, 融360 or 平安消费金融?

融360 is rated higher. 融360 averages 4.4 out of 5 from 42 ratings, while 平安消费金融 averages 3.4 from 5 ratings.

### Do 融360 or 平安消费金融 have ads?

融360 shows ads; 平安消费金融 does not.

### Which is updated more often, 融360 or 平安消费金融?

融360 ships an update every 6 weeks, and 平安消费金融 every 3 weeks. Most recently, 融360 was updated on October 29, 2026 and 平安消费金融 on October 29, 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.*