# 海印金服 vs 360借条

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.

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

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 23, 2026 respectively.

## The numbers

| Metric | 海印金服 | 360借条 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.7 (50K ratings)](https://appshunter.io/ios/app/360/id1623571691/reviews)** |
| Number of ratings | — | **50K** |
| Positive reviews | **100.0% of reviews** | 85.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Fortnightly** |
| Monetization | — | Free |
| Size | 108 MB | 93 MB |
| Requires iOS | **12.0** | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [广州海印互联网小额贷款有限公司](https://appshunter.io/developer/1317233827) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## What reviewers say

### 海印金服

[App page](https://appshunter.io/ios/app/id1131542853)

**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 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 23, 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.*