Comparison

奇富借条(原360借条) vs 度小满金融

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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。

About

度小满金融

This app offers a comprehensive financial service platform, providing internet credit, fund sales, and insurance services. It leverages AI and big data for secure lending, with transparent interest rates and flexible repayment options. Users can also explore investment products and various insurance plans.

Highlights
  • High loan limits up to 200,000 CNY
  • Transparent annual interest rates from 7.2%
  • Flexible repayment up to 12 installments
  • Secure personal information encryption
  • Curated investment products from licensed institutions
  • Wide range of insurance products
  • 1-on-1 insurance advisor service
Features
Read full description

度小满是综合类金融服务平台,面向大众提供互联网信贷服务、优质的基金销售服务和安心的保险服务。度小满持有多种牌照,并与数百家银行,持牌金融机构达成合作,在信贷、理财、保险、支付等领域为用户提供值得信赖的金融服务。资金周转就找度小满! 【度小满 借钱】 度小满利用人工智能和大数据风控技术,为用户提供方便、快捷、安心的借款服务。 产品特点: 1.贷款额度高:最高额度 20万元; 2.息费透明:年化利率7.2%起,借1万元利息一天2元起,年化利率区间7.2%-24%; 3.操作便捷,借还灵活:在线申请,支持多种还款方式,最长可分12期慢慢还; 4.安全借款:个人信息全程加密,为您提供全程保护。 【理财】 甄选持牌金融机构,严格筛选金融产品,覆盖多种金融产品种类,满足不同期限、不同风险偏好的投资需求。 资金安全有保障:领先的研发技术团队,打造严密风控体系。 【保险】 精选保险产品:涵盖重疾险、医疗险、意外险、寿险、年金险、财产险,多方面保障服务; 1V1专属服务:资深保险经纪顾问一对一指导,测需求、做方案、挑产品,全流程贴心服务。 温馨提示: 借贷有风险,选择需谨慎。具体贷款利率、额度、期限以实际审批为准(年化利率区间7.2%-24%),资金来源:重庆度小满小额贷款有限公司及合作金融机构。 理财活动说明: 「新用户登录即享卡券好礼」小满专门为新用户提供了新手大礼包;您还可参与线上活动“解锁财富会员 领现金”,返现超快。活动自即日起至当期活动期满止,具体兑换规则可查询活动详情页面。 保险活动说明: 作为新用户,您有机会参加我们的「新人健康大礼包」活动!在保险页面,轻松点击“立即领取”按钮即可进入活动页面。此次活动为首次开通保险业务用户专属,让您的健康保障更加贴心。 在活动中,您将有机会获得至高88000元的健康保险保障金,一年内涵盖100种大病,让您的健康无忧。每日签到后可参与抽奖,中奖率100%,中奖后最低可增加10元保额,让您的健康保障更加完善。具体奖品信息及活动规则请以页面规则为准。

Screenshots

奇富借条(原360借条)4 screens
度小满金融4 screens

Verdict

The call

The clearest difference is rating: 奇富借条(原360借条) at 4.9 against 度小满金融's 4.2. 奇富借条(原360借条) also leads on ratings volume (2.8M vs 54K). On price, review sentiment, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

奇富借条(原360借条) holds the better App Store score, 4.9 against 4.2. 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 54K, 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 64% of 度小满金融's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

奇富借条(原360借条) ships an update fortnightly, 度小满金融 every 3 weeks. The most recent releases landed on September 29, 2026 and September 28, 2026 respectively.

Scorecard2 real differences · 8 level
奇富借条(原360借条) versus 度小满金融: the parameters behind the verdict, then further details
Parameter奇富借条(原360借条)度小满金融
PriceFreeFree
Rating4.9 (2.8M ratings) — better4.2 (54K ratings)
Positive reviews57.6% of reviews64.4% of reviews — better
Number of ratings2.8M — better54K
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size96 MB200 MB
Age rating17+17+
DeveloperFuzhou Qifu Online Microcredit Co., LtdChongqing Duxiaoman Information Technology Co.Ltd

Customer experience

奇富借条(原360借条)

All ratings590 ratings
Positive90.0%
Neutral0.8%
Negative9.2%
Written reviews85 reviews
Positive57.6%
Neutral0.0%
Negative42.4%

度小满金融

All ratings63 ratings
Positive46.0%
Neutral0.0%
Negative54.0%
Written reviews45 reviews
Positive64.4%
Neutral2.2%
Negative33.3%

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

度小满金融

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

奇富借条(原360借条)

No in-app purchases

None

度小满金融

No in-app purchases

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 度小满金融 free?
度小满金融 is free to download, with no in-app purchases.
Which has better reviews, 奇富借条(原360借条) or 度小满金融?
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 度小满金融 averages 4.2 from 54K ratings.
Do 奇富借条(原360借条) or 度小满金融 have ads?
Neither 奇富借条(原360借条) nor 度小满金融 shows ads.
Which is updated more often, 奇富借条(原360借条) or 度小满金融?
奇富借条(原360借条) ships an update fortnightly, and 度小满金融 every 3 weeks. Most recently, 奇富借条(原360借条) was updated on September 29, 2026 and 度小满金融 on September 28, 2026.

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