奇富借条(原360借条) vs 榕树贷款
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。
榕树贷款
This platform offers a secure and efficient way to access financial services for individuals and small businesses. It leverages AI and cloud technology to provide a comprehensive, one-stop solution with transparent fees and a variety of loan products.
- Intelligent financial services
- AI and cloud technology
- Secure and compliant
- Transparent fees
- Diverse loan products
- Convenient application
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榕树贷款，港股上市公司旗下智能金融综合服务平台。 关于榕树：榕树贷款是港股上市公司旗下智能金融综合服务平台，2017年上线，荣获多项荣誉资质认证，持续多年安全稳定运营。依托领先的人工智能、云计算等核心技术优势，聚焦金融行业数智化需求，促进数智金融服务效率提升，为个人用户和小微企业提供安全、高效、智能的一站式金融服务。具有申请便捷、安全合规、息费透明、产品丰富等特点。
Screenshots
Verdict
The clearest difference is rating: 奇富借条(原360借条) at 4.9 against 榕树贷款's 4.0. 奇富借条(原360借条) also leads on ratings volume (2.8M vs 33K). 榕树贷款's advantage is review sentiment (95% vs 58%) and monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.
奇富借条(原360借条) holds the better App Store score, 4.9 against 4.0. 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 33K, 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 95% of 榕树贷款'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, 榕树贷款 every 3 weeks. Both last shipped on October 29, 2026.
| Parameter | 奇富借条(原360借条) | 榕树贷款 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (2.8M ratings) — better | 4.0 (33K ratings) |
| Positive reviews | 57.6% of reviews | 95.2% of reviews — better |
| Number of ratings | 2.8M — better | 33K |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 96 MB | 85 MB |
| Age rating | 17+ | 17+ |
| Developer | Fuzhou Qifu Online Microcredit Co., Ltd | Shanghai JiaShu Technology Co., Ltd |
Customer experience
奇富借条(原360借条)
榕树贷款
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
榕树贷款
Not enough reviews yet to summarise bugs or requests.
In-app purchases
奇富借条(原360借条)
No in-app purchases
榕树贷款
No in-app purchases
