# 奇富借条(原360借条) vs 洋钱罐借款

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.

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.

## The numbers

| Metric | 奇富借条(原360借条) | 洋钱罐借款 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2.8M ratings)](https://appshunter.io/ios/app/360/id1178856715/reviews)** | [4.6 (502 ratings)](https://appshunter.io/ios/app/id1410049631/reviews) |
| Number of ratings | **2.8M** | 502 |
| Positive reviews | **57.6% of reviews** | 49.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 96 MB | 84 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) | [Beijing Lingyue Information Technology Co. Ltd.](https://appshunter.io/developer/1052663958) |

## 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


### 洋钱罐借款

[App page](https://appshunter.io/ios/app/id1410049631)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast loan disbursement
- 👍 Simple application process
- 👍 Convenient and practical
- 👍 Efficient approval process
- 👍 Low interest rates (mentioned by some)

**What reviewers complain about**

-  predatory interest rates
- 📞 Excessive marketing calls
- 💸 Unfair charges
- 🚫 Customer service unresponsive
- 🔒 Privacy concerns and data selling

**Reported bugs**

- 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**

- Improve customer service responsiveness
- Add more repayment options
- Reduce marketing messages
- Allow easier account cancellation
- Improve credit check process to avoid wasting user 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 洋钱罐借款 free?

洋钱罐借款 is free to download, with no in-app purchases.

### Which has better reviews, 奇富借条(原360借条) or 洋钱罐借款?

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 洋钱罐借款 averages 4.6 from 502 ratings.

### Do 奇富借条(原360借条) or 洋钱罐借款 have ads?

Neither 奇富借条(原360借条) nor 洋钱罐借款 shows ads.

### Which is updated more often, 奇富借条(原360借条) or 洋钱罐借款?

奇富借条(原360借条) ships an update fortnightly, and 洋钱罐借款 every 2 weeks. Most recently, 奇富借条(原360借条) was updated on November 9, 2026 and 洋钱罐借款 on November 6, 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.*