# 省呗 vs 360借条

The clearest difference is rating: 360借条 at 4.7 against 省呗's 3.4. 360借条 also leads on in-app purchases (none vs 10) and review sentiment (83% vs 69%). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. 省呗 sells 1 one-off in-app purchase. 360借条 asks for nothing beyond the download.

360借条 holds the better App Store score, 4.7 against 3.4. Both are backed by a comparable volume of ratings — 75K and 50K respectively. Written reviews point the same way: 69% of 省呗's written reviews are positive against 83% of 360借条's.

省呗 ships an update every 3 weeks, 360借条 fortnightly. Both last shipped on September 28, 2026.

## The numbers

| Metric | 省呗 | 360借条 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (75K ratings)](https://appshunter.io/ios/app/id1194313045/reviews) | **[4.7 (50K ratings)](https://appshunter.io/ios/app/360/id1623571691/reviews)** |
| Number of ratings | **75K** | 50K |
| Positive reviews | 68.8% of reviews | **82.7% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 184 MB | 93 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [深圳小禾金融服务管理有限公司](https://appshunter.io/developer/1227700909) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## What reviewers say

### 省呗

[App page](https://appshunter.io/ios/app/id1194313045)

This app provides fast, low-interest personal loans using AI and big data risk control. Users can apply online 24/7 for credit lines up to 200,000 yuan, with quick disbursement and transparent fees. It prioritizes user data security and offers flexible repayment options.

**Highlights:** AI and big data risk control, 24/7 online application, Up to 200,000 yuan credit limit, Disbursement as fast as 3 minutes, Transparent annual interest rates from 5%, Flexible repayment up to 12 installments, Secure data protection

**Features:** Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 省呗会员半年卡 | $46.99 | one-time |


### 360借条

[App page](https://appshunter.io/ios/app/360/id1623571691)

This platform offers convenient mobile loans with high credit limits and transparent fee structures. Enjoy flexible repayment options and a secure, entirely online application process. New users can benefit from special interest-free offers.

**Highlights:** High loan limits up to 200,000 CNY, Transparent interest rates starting from 7.2% annualized, Flexible repayment terms (3, 6, 12, up to 24 months), Fully online application, no collateral needed, Facial recognition for quick verification, Secure lending with advanced technology

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

**In-app purchases:** none


## Frequently asked questions

### Is 省呗 free?

省呗 is free to download, with in-app purchases available.

### Is 360借条 free?

360借条 is free to download, with no in-app purchases.

### Which has better reviews, 省呗 or 360借条?

360借条 is rated higher. 省呗 averages 3.4 out of 5 from 75K ratings, while 360借条 averages 4.7 from 50K ratings.

### Do 省呗 or 360借条 have ads?

Neither 省呗 nor 360借条 shows ads.

### Which is updated more often, 省呗 or 360借条?

省呗 ships an update every 3 weeks, and 360借条 fortnightly. Most recently, 省呗 was updated on September 28, 2026 and 360借条 on September 28, 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.*