# 奇富借条(原360借条) vs 榕树贷款

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.

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.

## The numbers

| Metric | 奇富借条(原360借条) | 榕树贷款 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2.8M ratings)](https://appshunter.io/ios/app/360/id1178856715/reviews)** | [4.0 (33K ratings)](https://appshunter.io/ios/app/id1216088977/reviews) |
| Number of ratings | **2.8M** | 33K |
| Positive reviews | 57.6% of reviews | **95.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 96 MB | 85 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) | [Shanghai JiaShu Technology Co., Ltd](https://appshunter.io/developer/1835870633) |

## 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


### 榕树贷款

[App page](https://appshunter.io/ios/app/id1216088977)

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.

**Highlights:** Intelligent financial services, AI and cloud technology, Secure and compliant, Transparent fees, Diverse loan products, Convenient application

**Features:** Vision Pro support

**In-app purchases:** none


## 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 榕树贷款 free?

榕树贷款 is free to download, with no in-app purchases.

### Which has better reviews, 奇富借条(原360借条) or 榕树贷款?

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 榕树贷款 averages 4.0 from 33K ratings.

### Do 奇富借条(原360借条) or 榕树贷款 have ads?

Neither 奇富借条(原360借条) nor 榕树贷款 shows ads.

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

奇富借条(原360借条) ships an update fortnightly, and 榕树贷款 every 3 weeks. Most recently, 奇富借条(原360借条) was updated on October 29, 2026 and 榕树贷款 on October 29, 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.*