# 360你财富 vs 洋钱罐借款

The clearest difference is ads: 洋钱罐借款 at none against 360你财富's shown. 洋钱罐借款 also leads on ratings volume (502 vs 9) and update cadence (every 2 weeks vs every 2 months). On price, rating, 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.

洋钱罐借款 holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: 洋钱罐借款 has 502 ratings behind it against 9, so its average is the more settled of the two.

360你财富 ships an update every 2 months, 洋钱罐借款 every 2 weeks. The most recent releases landed on November 1, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | 360你财富 | 洋钱罐借款 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (9 ratings)](https://appshunter.io/ios/app/360/id1026789253/reviews) | **[4.6 (502 ratings)](https://appshunter.io/ios/app/id1410049631/reviews)** |
| Number of ratings | 9 | **502** |
| Positive reviews | — | 49.1% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 89 MB | 84 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [北京你财富计算机科技有限公司](https://appshunter.io/developer/1116038167) | [Beijing Lingyue Information Technology Co. Ltd.](https://appshunter.io/developer/1052663958) |

## What reviewers say

### 360你财富

[App page](https://appshunter.io/ios/app/360/id1026789253)

This platform offers a range of financial products including bank deposits and fund investments. It provides options for flexible withdrawals, high interest rates, and a wide selection of funds with professional team support. Security and user account protection are emphasized.

**Highlights:** Bank deposit products, Fund investment options, Flexible withdrawals, High interest rates, Professional financial team, Account security

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### 洋钱罐借款

[App page](https://appshunter.io/ios/app/id1410049631)

This app provides convenient and stable financial loan services with flexible repayment options. Users can borrow up to 200,000 with a 6-12 month installment plan, all managed through a mobile-first application process. It emphasizes fast disbursement and transparent fees.

**Highlights:** High loan limits up to 200,000, Fast disbursement, starting from 5 minutes, 6-12 month installment repayment, Transparent annualized interest rates starting from 7.2%, Secure privacy protection measures, Fully mobile application process

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast loan disbursement
- 👍 Simple application process
- 👍 Convenient and practical
- 👍 Efficient approval process
- 👍 Low interest rates (mentioned by some)

**What reviewers complain about**

-  predatory interest rates
- 📞 Excessive marketing calls
- 💸 Unfair charges
- 🚫 Customer service unresponsive
- 🔒 Privacy concerns and data selling

**Reported bugs**

- Verification codes not received for cancellation
- App crashes or freezes
- Inability to borrow after submitting all information
- System robot calls are frequent
- Difficulty in repayment through multiple channels

**Requested features**

- Improve customer service responsiveness
- Add more repayment options
- Reduce marketing messages
- Allow easier account cancellation
- Improve credit check process to avoid wasting user time


## Frequently asked questions

### Is 360你财富 free?

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

### Is 洋钱罐借款 free?

洋钱罐借款 is free to download, with no in-app purchases.

### Which has better reviews, 360你财富 or 洋钱罐借款?

洋钱罐借款 is rated higher. 360你财富 averages 4.4 out of 5 from 9 ratings, while 洋钱罐借款 averages 4.6 from 502 ratings.

### Do 360你财富 or 洋钱罐借款 have ads?

360你财富 shows ads; 洋钱罐借款 does not.

### Which is updated more often, 360你财富 or 洋钱罐借款?

360你财富 ships an update every 2 months, and 洋钱罐借款 every 2 weeks. Most recently, 360你财富 was updated on November 1, 2026 and 洋钱罐借款 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.*