奇富借条(原360借条) vs 洋钱罐借款
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。
洋钱罐借款
This app provides convenient and stable financial loan services with flexible repayment options. Users can borrow up to 200,000 with a 6-12 month installment plan, all managed through a mobile-first application process. It emphasizes fast disbursement and transparent fees.
- High loan limits up to 200,000
- Fast disbursement, starting from 5 minutes
- 6-12 month installment repayment
- Transparent annualized interest rates starting from 7.2%
- Secure privacy protection measures
- Fully mobile application process
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洋钱罐借款致力于通过科技提高金融服务的品质与效率，实现“科技助力金融机构 智慧改变信用生活”的使命，为有需求的用户提供方便、稳定、便捷的金融借款服务，可以分6-12期还款。申请便捷，全程手机操作！ 【洋钱罐借款5大优势】 【额度高】最高额度至20万！ 【放款快】借款流程简单，在线自动化审批，到账时间5分钟起！ 【分期长】6-12个月分期还款，无抵押贷款！ 【息费透明】年化综合息费率（单利）7.2%起（以审核为准）！ 【安全保障】多重隐私保护措施，防止信息泄露！ 温馨提示： 1.贷款有风险，借款需谨慎，请根据个人经济能力合理贷款，合理消费，避免逾期； 2.贷款额度、利率、放款时间以实际审核为准。 3.洋钱罐借款为网络借贷信息中介服务平台，将严格遵守有关法律法规。请您务必提供真实申请资料。 【联系我们】 客服电话：400-034-6868
Screenshots
Verdict
The clearest difference is monetization model: 洋钱罐借款 at free against 奇富借条(原360借条)'s free with in-app purchases. 奇富借条(原360借条)'s advantage is ratings volume (2.8M vs 502) and rating (4.9 vs 4.6). 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 4.6. 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 502, so its average is the more settled of the two. Written reviews point the same way: 58% of 奇富借条(原360借条)'s written reviews are positive against 49% of 洋钱罐借款's.
奇富借条(原360借条) ships an update fortnightly, 洋钱罐借款 every 2 weeks. The most recent releases landed on November 9, 2026 and November 6, 2026 respectively.
| Parameter | 奇富借条(原360借条) | 洋钱罐借款 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (2.8M ratings) — better | 4.6 (502 ratings) |
| Positive reviews | 57.6% of reviews — better | 49.1% of reviews |
| Number of ratings | 2.8M — better | 502 |
| Update frequency | Fortnightly — better | Every 2 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 | 84 MB |
| Age rating | 17+ | 17+ |
| Developer | Fuzhou Qifu Online Microcredit Co., Ltd | Beijing Lingyue Information Technology Co. Ltd. |
Customer experience
奇富借条(原360借条)
洋钱罐借款
User reviews
奇富借条(原360借条)
From 2.8M App Store ratingsWhat we love
- 🚀 Fast and efficient
- 💳 Convenient for financial needs
- 👍 Simple and user-friendly
- 🙏 Helpful in emergencies
Room to improve
- 🐛 Crashes and freezes
- 💰 High interest rates
- 🔒 Privacy and security concerns
- 📞 Aggressive marketing and constant calls
洋钱罐借款
From 502 App Store ratingsWhat we love
- 🚀 Fast loan disbursement
- 👍 Simple application process
- 👍 Convenient and practical
- 👍 Efficient approval process
- 👍 Low interest rates (mentioned by some)
Room to improve
- predatory interest rates
- 📞 Excessive marketing calls
- 💸 Unfair charges
- 🚫 Customer service unresponsive
- 🔒 Privacy concerns and data selling
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
洋钱罐借款
Reported bugs
5 issues- Verification codes not received for cancellation
- App crashes or freezes
- Inability to borrow after submitting all information
- System robot calls are frequent
- Difficulty in repayment through multiple channels
Requested features
7 requests- Improve customer service responsiveness
- Add more repayment options
- Reduce marketing messages
- Allow easier account cancellation
- Improve credit check process to avoid wasting user time
Show 2 moreShow fewer
- Offer higher credit limits for repeat users
- Provide clearer information on fees and interest
In-app purchases
奇富借条(原360借条)
No in-app purchases
洋钱罐借款
No in-app purchases
