Comparison

海印金服 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

海印金服

Features
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海印金服—上市公司海印股份旗下消费贷款平台 =产品特色= 1、闪电借款:极速贷款,当天放款、8秒到账。 2、低息高额:日息低至0.05%。大额高至100万。 3、操作便捷:线上申请,随时随地想贷就贷。 =平台背景= 1、上市公司(股票代码:000861)海印股份旗下借款平台 2、首批互联网小额贷款持牌机构,正规借款产品,值得信赖 3、小额贷款不求人,缺钱就上海印金服 4、小额借款(消费贷、借钱、贷款、借款、小额贷款、手机借款、借贷) =海印互联网小贷= 由“海印股份”全资于2017年5月成立并取得互联网小贷牌照,隶属“海印金控”。以服务小微客户为出发点,依托大数据风控体系,科技驱动金融,为客户提供合规、安全、便捷的普惠金融贷款服务。 =海印金控= 由“海印股份”全资成立,注册资本5亿元,集互联网小贷、融资租赁、商业保理、银行、保险、支付等为一体,依托多年行业深耕经验,完善产业布局,致力于成为金融解决方案的一站式综合服务供应商。 =联系我们= 企业官网:http://www.highsunfinancial.com/ 客服电话:400-082-0861 企业邮箱:haiyinjinkong@000861.com 微信公众号:haiyinyinxiangdai

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
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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

海印金服3 screens
360借条4 screens

Verdict

The call

The clearest difference is update cadence: 360借条 at fortnightly against 海印金服's every 3 months. 海印金服's advantage is review sentiment (100% vs 85%). On price, ads, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

海印金服 ships an update every 3 months, 360借条 fortnightly. The most recent releases landed on October 6, 2026 and October 22, 2026 respectively.

Scorecard2 real differences · 8 level
海印金服 versus 360借条: the parameters behind the verdict, then further details
Parameter海印金服360借条
PriceFreeFree
Rating—4.7 (50K ratings) — better
Positive reviews100.0% of reviews — better85.3% of reviews
Number of ratings—50K — better
Update frequencyEvery 3 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.0 — better13.0
Further details — not scored
Size108 MB93 MB
Age rating17+17+
Developer广州海印互联网小额贷款有限公司Fuzhou Qifu Online Microcredit Co., Ltd

Customer experience

海印金服

Written reviews20 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

360借条

All ratings10 ratings
Positive70.0%
Neutral0.0%
Negative30.0%
Written reviews95 reviews
Positive85.3%
Neutral0.0%
Negative14.7%

In-app purchases

None

海印金服

No in-app purchases

None

360借条

No in-app purchases

Questions

Is 海印金服 free?
海印金服 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.
Do 海印金服 or 360借条 have ads?
Neither 海印金服 nor 360借条 shows ads.
Which is updated more often, 海印金服 or 360借条?
海印金服 ships an update every 3 months, and 360借条 fortnightly. Most recently, 海印金服 was updated on October 6, 2026 and 360借条 on October 22, 2026.

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