奇富借条(原360借条) vs 省呗
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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。
省呗
This app provides fast, low-interest personal loans using AI and big data risk control. Users can apply online 24/7 for credit lines up to 200,000 yuan, with quick disbursement and transparent fees. It prioritizes user data security and offers flexible repayment options.
- AI and big data risk control
- 24/7 online application
- Up to 200,000 yuan credit limit
- Disbursement as fast as 3 minutes
- Transparent annual interest rates from 5%
- Flexible repayment up to 12 installments
- Secure data protection
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【品牌视觉焕新】 省呗logo更新，将原 “省” 字图标正式升级为 “省呗”，新版APP现已上线！焕新出发，让金融更温暖。 【产品介绍】 省呗成立于2015年，由深圳无域科技技术有限公司开发运营，利用人工智能和大数据风控技术，为用户提供方便、快捷、安全的金融信贷服务，超1.3亿用户选择。 【产品特点】 1、 7*24h线上申请，无需面签，随用随借； 2、放款速度快，审批通过后快至 3 分钟放款，手机借款更便捷； 3、息费透明：综合年化利率（单利）5%起； 4、操作便捷：借还灵活，凭手机号和身份证信息在线申请，可分12期； 5、安全借款：多项安全认证，保护用户个人信息，筑起隐私保护坚实防线。 【新人免息规则】 1、活动时间：即日起-2026年12月31日； 2、活动对象：在活动时间内首次完成注册的用户； 3、活动内容：新人专享最长30天免息优惠券； 注：免息优惠券的具体使用规则以省呗APP内展示规则为准。 【温馨提示】 1、贷款额度、放款时间、适用利率等均以实际审批结果及合同约定为准。 2、借贷有风险，借款需谨慎。请您根据自身实际需求及还款能力合理规划借款，理性消费，按时还款，避免逾期影响个人信用。 【联系我们】 官方微信公众号：省呗官方 客服中心：您可通过微信公众号 “小省在线” 咨询相关问题，客服将为您提供专业解答。 客服电话：400-000-1564
Screenshots
Verdict
The clearest difference is rating: 奇富借条(原360借条) at 4.9 against 省呗's 3.4. 奇富借条(原360借条) also leads on in-app purchases (none vs 10) and ratings volume (2.8M vs 75K). 省呗's advantage is review sentiment (69% vs 58%). On price, update cadence, ads and monetization model 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. 省呗 sells 1 one-off in-app purchase. 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 3.4. That said, the two scores are not equally well evidenced: 奇富借条(原360借条) has 2.8M ratings behind it against 75K, so its average is the more settled of the two. Written reviews complicate that: 58% of 奇富借条(原360借条)'s written reviews are positive against 69% of 省呗's, so the app with the better star average is not the one people write more warmly about.
奇富借条(原360借条) ships an update fortnightly, 省呗 every 3 weeks. Both last shipped on October 24, 2026.
| Parameter | 奇富借条(原360借条) | 省呗 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (2.8M ratings) — better | 3.4 (75K ratings) |
| Positive reviews | 57.6% of reviews | 68.8% of reviews — better |
| Number of ratings | 2.8M — better | 75K |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| 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 | 96 MB | 184 MB |
| Age rating | 17+ | 17+ |
| Developer | Fuzhou Qifu Online Microcredit Co., Ltd | 深圳小禾金融服务管理有限公司 |
Customer experience
奇富借条(原360借条)
省呗
Bugs and requests
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
省呗
Not enough reviews yet to summarise bugs or requests.
In-app purchases
奇富借条(原360借条)
No in-app purchases
省呗
- 省呗会员半年卡$46.99
