融360 vs 360借条
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
360借条
This platform offers convenient mobile loans with high credit limits and transparent fee structures. Enjoy flexible repayment options and a secure, entirely online application process. New users can benefit from special interest-free offers.
- High loan limits up to 200,000 CNY
- Transparent interest rates starting from 7.2% annualized
- Flexible repayment terms (3, 6, 12, up to 24 months)
- Fully online application, no collateral needed
- Facial recognition for quick verification
- Secure lending with advanced technology
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360借条，2024年更名为奇富借条，现仍可使用。是奇富科技旗下信贷科技服务品牌。 【产品特点】 1、手机贷款额度： 审批后最高额度20万元； 2、贷款息费透明： 年化利率（单利）7.2%-24%（以审核为准）； 3、手机贷款更便捷： 贷款全程线上申请，免抵押贷款；使用手机号+身份信息等材料即可申请；360借条创新“刷脸”识别，免上门，免纸质材料； 4、安全借贷： 奇富科技旗下产品，具有先进的网络安全技术，为您借钱保驾护航； 5、新人免息礼包规则： 活动开始日期2022年1月1日结束日期2026年12月31日 参与对象：仅针对360借条新用户； 优惠详情：（限时/7天内）最高免息65元，借12期享最后一期免息； 注：具体券使用规则获取，请以app具体活动页面规则为准！ 微信关注“360借条-奇富借条”公众号，第一时间获取360借条最新消息！ 无惧目标，360借条为你撑腰！ PS: 1.贷款额度、利率，放款时间以实际审核为准； 2.优惠活动仅免除部分利息，详细免息方式以APP内活动规则为准； 3.贷款有风险，借款需谨慎；请根据个人能力合理贷款，理性消费，避免逾期； 4.投资有风险，选择需谨慎。
Screenshots
Verdict
The clearest difference is ads: 360借条 at none against 融360's shown. 360借条 also leads on ratings volume (50K vs 41) and rating (4.7 vs 4.4). On price, review sentiment, in-app purchases and device support 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.
360借条 holds the better App Store score, 4.7 against 4.4. That said, the two scores are not equally well evidenced: 360借条 has 50K ratings behind it against 41, so its average is the more settled of the two. Written reviews complicate that: 88% of 融360's written reviews are positive against 82% of 360借条'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借条 fortnightly. The most recent releases landed on September 25, 2026 and September 26, 2026 respectively.
| Parameter | 融360 | 360借条 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (41 ratings) | 4.7 (50K ratings) — better |
| Positive reviews | 87.9% of reviews — better | 81.8% of reviews |
| Number of ratings | 41 | 50K — 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 | 13.0 |
| Further details — not scored | ||
| Size | 104 MB | 92 MB |
| Age rating | 17+ | 17+ |
| Developer | 融360 | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
融360
360借条
In-app purchases
融360
No in-app purchases
360借条
No in-app purchases
