# 融360 vs 360借条

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.

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 27, 2026 respectively.

## The numbers

| Metric | 融360 | 360借条 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (41 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews) | **[4.7 (50K ratings)](https://appshunter.io/ios/app/360/id1623571691/reviews)** |
| Number of ratings | 41 | **50K** |
| Positive reviews | **87.9% of reviews** | 81.8% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | Ad-supported | **Free** |
| Size | 104 MB | 92 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借条

[App page](https://appshunter.io/ios/app/360/id1623571691)

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.

**Highlights:** 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

**Features:** macOS Compatibility, 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借条 free?

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

### Which has better reviews, 融360 or 360借条?

360借条 is rated higher. 融360 averages 4.4 out of 5 from 41 ratings, while 360借条 averages 4.7 from 50K ratings.

### Do 融360 or 360借条 have ads?

融360 shows ads; 360借条 does not.

### Which is updated more often, 融360 or 360借条?

融360 ships an update every 6 weeks, and 360借条 fortnightly. Most recently, 融360 was updated on September 25, 2026 and 360借条 on September 27, 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.*