# 奇富借条(原360借条) vs 省呗

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.

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.

## The numbers

| Metric | 奇富借条(原360借条) | 省呗 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2.8M ratings)](https://appshunter.io/ios/app/360/id1178856715/reviews)** | [3.4 (75K ratings)](https://appshunter.io/ios/app/id1194313045/reviews) |
| Number of ratings | **2.8M** | 75K |
| Positive reviews | 57.6% of reviews | **68.8% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 96 MB | 184 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) | [深圳小禾金融服务管理有限公司](https://appshunter.io/developer/1227700909) |

## What reviewers say

### 奇富借条(原360借条)

[App page](https://appshunter.io/ios/app/360/id1178856715)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 💳 Convenient for financial needs
- 👍 Simple and user-friendly
- 🙏 Helpful in emergencies

**What reviewers complain about**

- 🐛 Crashes and freezes
- 💰 High interest rates
- 🔒 Privacy and security concerns
- 📞 Aggressive marketing and constant calls

**Reported bugs**

- Unreliable loan disbursement
- Difficulties with account cancellation

**Requested features**

- Improve approval rate
- Provide more transparent pricing
- Offer better customer support


### 省呗

[App page](https://appshunter.io/ios/app/id1194313045)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 省呗会员半年卡 | $46.99 | one-time |


## Frequently asked questions

### Is 奇富借条(原360借条) free?

奇富借条(原360借条) is free to download, with no in-app purchases.

### Is 省呗 free?

省呗 is free to download, with in-app purchases available.

### Which has better reviews, 奇富借条(原360借条) or 省呗?

奇富借条(原360借条) is rated higher. 奇富借条(原360借条) averages 4.9 out of 5 from 2.8M ratings, while 省呗 averages 3.4 from 75K ratings.

### Do 奇富借条(原360借条) or 省呗 have ads?

Neither 奇富借条(原360借条) nor 省呗 shows ads.

### Which is updated more often, 奇富借条(原360借条) or 省呗?

奇富借条(原360借条) ships an update fortnightly, and 省呗 every 3 weeks. Most recently, 奇富借条(原360借条) was updated on October 24, 2026 and 省呗 on October 24, 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.*