安逸花 vs 奇富借条(原360借条)
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
安逸花
This app offers quick and flexible personal loans with high credit limits and fast disbursement. It provides a secure and convenient online borrowing experience, allowing for repeated use of approved credit lines.
- High credit limits up to 200,000 CNY
- Fast disbursement, as quick as 1 minute
- Secure and trustworthy, from a licensed financial institution
- Flexible credit lines with repeated use
- Online application with ID and phone number
- Easy loan progress tracking and repayment
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◇贷款借款借钱分期，就找安逸花◇ 【安逸花贷款5大优势】 【额度高】信贷专业大平台，额度最高可达20万元 【放款快】借款流程简单，在线自动化审批，最快1分钟放款 【更安全】马上消费旗下产品，正规可信赖 【享权益】最高5万元提额机会，多种方式助提额 【更灵活】随借随用，额度循环，灵活分期 【平台介绍】 安逸花-分期贷款信用借款快速借钱平台，为马上消费金融股份有限公司推出的，一款循环额度的贷款借钱产品，用户可以在额度范围内进行分期借款贷款，在享受安全、专业、智能、便捷贷款同时，可自主提现支付，在额度范围内进行分期贷款、消费借款（购房、购车除外）。 【产品特点】 1. 效率高：贷款全程线上，使用身份证+手机号即可申请 2. 操作易：借款进度随时查，还款操作方便快捷 3. 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% 4. 更专业：信用贷款，手机借钱（小额贷款，快速借钱，借钱APP，现金借款，借钱平台）就找安逸花 【关于马上消费】 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。 【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】 官网：www.msxf.com 客服电话：95090 【温馨提示】 以上协议仅供预览参考，最终以签署的协议为准 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
奇富借条(原360借条)
This app provides mobile credit loans with high limits and transparent fees. It offers flexible repayment options, a fully online application process with facial recognition, and secure borrowing. New users can benefit from an interest-free offer.
- High loan limits up to 200,000 yuan
- Transparent interest and fees
- Flexible repayment options (3, 6, 12, 24 months)
- Fully online application with facial recognition
- Secure borrowing with advanced technology
- New user interest-free gift package
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奇富借条（原360借条），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；奇富借条创新“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、新人免息规则： 活动开始日期2022年1月1日结束日期2026年12月31日 奇富借条新用户限时最长免息30天，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，第一时间获取奇富借条最新消息！ 无惧目标，奇富借条为你撑腰！ 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
安逸花 and 奇富借条(原360借条) both sit at 4.7 stars, but that hides the real split: 95% of 安逸花's written reviews are positive against 58% of 奇富借条(原360借条)'s. 奇富借条(原360借条)'s advantage is in-app purchases (none vs 7). On price, rating, ratings volume and update cadence 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. 安逸花 sells 7 in-app purchases, starting at $0.49 per month. 奇富借条(原360借条) asks for nothing beyond the download.
奇富借条(原360借条) holds the better App Store score, 4.9 against 4.7. Both are backed by a comparable volume of ratings — 2.3M and 2.8M respectively. Written reviews complicate that: 95% of 安逸花's written reviews are positive against 58% of 奇富借条(原360借条)'s, so the app with the better star average is not the one people write more warmly about.
安逸花 ships an update every 3 weeks, 奇富借条(原360借条) fortnightly. Both last shipped on November 13, 2026.
| Parameter | 安逸花 | 奇富借条(原360借条) |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (2.3M ratings) | 4.9 (2.8M ratings) — better |
| Positive reviews | 95.1% of reviews — better | 57.6% of reviews |
| Number of ratings | 2.3M | 2.8M — better |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 128 MB | 95 MB |
| Age rating | 17+ | 17+ |
| Developer | 马上消费金融股份有限公司 | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
安逸花
奇富借条(原360借条)
User reviews
安逸花
From 2.3M App Store ratingsWhat we love
- 💳 Convenient loan process
- ⚡ Fast loan approval and disbursement
- 💰 Reasonable interest rates
- 🤝 Helpful customer service
- 🆙 Easy to increase loan limit
Room to improve
- 🚫 Unable to prepay loans
- 📞 Frequent telemarketing calls
- 💳 Hidden fees and charges
- 🔍 Lack of transparency in loan terms
- 🤖 Automated decision-making issues
奇富借条(原360借条)
From 2.8M App Store ratingsWhat we love
- 🚀 Fast and efficient
- 💳 Convenient for financial needs
- 👍 Simple and user-friendly
- 🙏 Helpful in emergencies
Room to improve
- 🐛 Crashes and freezes
- 💰 High interest rates
- 🔒 Privacy and security concerns
- 📞 Aggressive marketing and constant calls
Bugs and requests
安逸花
Reported bugs
2 issues- Loan application process freezes
- Inconsistent app performance on older devices
Requested features
5 requests- Allow prepayment of loans
- Improve transparency of loan terms
- Provide more flexible repayment options
- Enhance customer service responsiveness
- Implement stricter controls on telemarketing
奇富借条(原360借条)
Reported bugs
2 issues- Unreliable loan disbursement
- Difficulties with account cancellation
Requested features
3 requests- Improve approval rate
- Provide more transparent pricing
- Offer better customer support
In-app purchases
安逸花
- 逸骊生活基础服务$0.491 Month
- 逸骊生活钜惠服务$0.991 Month
- 逸骊生活基础服务$0.991 Month
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- 逸骊生活标准服务$5.991 Month
- 逸骊生活尊享服务$14.991 Month
- 逸骊生活钜惠单月服务$0.99
- 逸骊生活基础单月服务$0.99
奇富借条(原360借条)
No in-app purchases
