Comparison

马上金融 (安逸花借款) vs 360借条

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

马上金融 (安逸花借款)

This app offers quick and reliable personal loans from a licensed financial institution. Borrow up to 300,000 yuan with fast approval and disbursement, and enjoy opportunities to increase your credit limit. It's designed for convenient online applications and flexible repayment options.

Highlights
  • High loan limits up to 300,000 yuan
  • Fast approval and disbursement (as quick as 1 minute)
  • Secure and trustworthy lending platform
  • Opportunities for credit limit increases
  • Online application with ID and phone number
  • Circular credit for up to 5 years
  • Convenient repayment options
Features
Read full description

马上金融APP(涵盖“安逸花”相关借款服务)——为持牌机构旗下产品,马上消费旗下信贷平台 【信贷】额度最高20万元,用钱无忧金融 【专业】借款大平台,审批通过后最快1分钟放款 【正规】放心借贷,有保障、可信赖 【权益】享最高5万元提额机会,多种方式助提额 【平台介绍】 马上金融APP(涵盖“安逸花”相关借款服务)为马上消费金融股份有限公司推出的,一款循环额度的借钱贷款产品的申请平台,最高额度20万元,用户可以在额度范围内进行分期借钱贷款,并可自主提现至银行卡。登录马上金融APP,即可体验“安逸花”便捷借款服务。专业正规,安全便捷,值得信赖! 【产品特点】 1. 额度高:额度最高可达20万元 2. 效率高:贷款全程线上,使用身份证+手机号即可申请,审批通过后最快1分钟放款! 3. 操作易:借款进度随时查,还款操作很方便 4. 可循环:一次授信,循环使用,额度有效期为5年,年化利率(单利)7.2%-24% 5. 更便捷:金融贷款,信贷助手(小额贷款,贷款平台,借钱平台,现金借款,借款平台)就找马上金融 【关于马上消费】 马上消费旗下信贷APP包括:安逸花 | 马上金融 | 优逸花 马上消费金融股份有限公司(简称“马上消费”)是一家经原中国银保监会批准,持有消费金融牌照的科技驱动型金融机构。马上消费金融为您提供专业、智能、便捷的消费借贷、分期借款。 【资金来源】 贷款资金由马上消费金融股份有限公司及/或合作金融机构提供 【相关协议】 《隐私政策》https://vayh.msxf.com/protocol/privacy_protocol 《用户服务协议》https://vayh.msxf.com/protocol/regist_protocol 【联系我们】 马上消费官网:www.msxf.com 客服电话:95090 【温馨提示】 贷款额度、放款时间、通过率以实际审批结果为准 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

About

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.

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
Read full description

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

马上金融 (安逸花借款)4 screens
360借条4 screens

Verdict

The call

The clearest difference is in-app purchases: 360借条 at none against 马上金融 (安逸花借款)'s 5. 360借条 also leads on update cadence (fortnightly vs monthly). 马上金融 (安逸花借款)'s advantage is review sentiment (97% vs 86%). On price, rating, ratings volume and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. 马上金融 (安逸花借款) sells 5 in-app purchases, starting at $0.49 per month. 360借条 asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for 马上金融 (安逸花借款) against 4.7 for 360借条. Both are backed by a comparable volume of ratings — 105K and 50K respectively. Written reviews are what separate them: 97% of 马上金融 (安逸花借款)'s written reviews are positive against 86% of 360借条's.

UpkeepUpdate frequency

马上金融 (安逸花借款) ships an update monthly, 360借条 fortnightly. Both last shipped on October 29, 2026.

Scorecard4 real differences · 6 level
马上金融 (安逸花借款) versus 360借条: the parameters behind the verdict, then further details
Parameter马上金融 (安逸花借款)360借条
PriceFreeFree
Rating4.8 (105K ratings) — better4.7 (50K ratings)
Positive reviews96.8% of reviews — better85.6% of reviews
Number of ratings105K — better50K
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size59 MB93 MB
Age rating17+17+
Developer马上消费金融股份有限公司Fuzhou Qifu Online Microcredit Co., Ltd

Customer experience

马上金融 (安逸花借款)

All ratings73 ratings
Positive93.2%
Neutral0.0%
Negative6.8%
Written reviews62 reviews
Positive96.8%
Neutral0.0%
Negative3.2%

360借条

All ratings10 ratings
Positive70.0%
Neutral0.0%
Negative30.0%
Written reviews97 reviews
Positive85.6%
Neutral0.0%
Negative14.4%

In-app purchases

5 purchases

马上金融 (安逸花借款)

Subscriptions5
  • 基础版连续包月会员$0.491 Month
  • 钜惠逸骊会员基础版$0.991 Month
  • 标准版连续包月会员$1.491 Month
Show 2 more
  • 逸骊会员连包月卡$5.991 Month
  • 尊享逸骊会员连包月卡$14.991 Month
None

360借条

No in-app purchases

Questions

Is 马上金融 (安逸花借款) free?
马上金融 (安逸花借款) is free to download, with in-app purchases available.
Is 360借条 free?
360借条 is free to download, with no in-app purchases.
Which has better reviews, 马上金融 (安逸花借款) or 360借条?
马上金融 (安逸花借款) is rated higher. 马上金融 (安逸花借款) averages 4.8 out of 5 from 105K ratings, while 360借条 averages 4.7 from 50K ratings.
Do 马上金融 (安逸花借款) or 360借条 have ads?
Neither 马上金融 (安逸花借款) nor 360借条 shows ads.
Which is updated more often, 马上金融 (安逸花借款) or 360借条?
马上金融 (安逸花借款) ships an update monthly, and 360借条 fortnightly. Most recently, 马上金融 (安逸花借款) was updated on October 29, 2026 and 360借条 on October 29, 2026.

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