魔借 vs 360信用钱包
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
魔借
This platform connects users with lenders for small loans, offering a convenient online application process. It features a broad user base, data-driven approval, flexible loan amounts and terms, and multiple repayment options.
- Online loan application
- Lender matching service
- Data-driven approval process
- Loan amounts from 3,000 to 30,000
- Loan terms from 3 to 18 months
- Multiple repayment options
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【产品介绍】 魔借是一款借款端撮合工具，在线申请，线上撮合，签约放款。 【产品优势】 操作便捷：覆盖人群广泛，足不出户即可申请。 大数据审批：拥有严格的风控团队，基于全方位大数据测评。 多种选择：额度3000-3万元，期限3-18个月。 还款便利：多种还款方式，支持按周、按月还款。 【联系我们】 官方微信：魔姐 Mojie_dianrong 客服热线：4006849188 (借贷有风险，勿过度借贷)
360信用钱包
This financial technology platform offers personal credit assessment and consumer finance services. It provides installment purchases and loans, aiming to enhance users' quality of life through convenient and reliable installment consumption experiences. The service leverages advanced technologies to evaluate individual creditworthiness.
- Personal credit assessment
- Installment purchases
- Cash loans
- Consumer finance
- Big data technology
- Machine learning
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产品优势： - 360信用钱包是美股上市公司奇富科技旗下的金融科技平台。 - 通过云计算、机器学习、大数据等技术客观评估个人信用，致力于为用户打造专业的消费金融科技平台。平台亦会提供分期购，分期借等多种现金消费形式，旨在向用户提供正规、便捷、省心的分期消费体验，提升用户的消费生活品质。 - 先消费后还款，分期立享所爱 - 费率透明：年化利率(单利)7.2%-24%（以审核为准）； 温馨提示： - 客服/投诉热线：400-6030360（周一至周日：8:00 - 24:00） - 贷款额度、利率，放款时间以实际审核为准; - 福利活动仅抵扣部分利息，详细优惠方式以APP内活动规则为准； (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) - 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。
Screenshots
Verdict
The clearest difference is review sentiment: 360信用钱包 at 86% against 魔借's 0%. 360信用钱包 also leads on ads (none vs shown) and monetization model (free vs ad-supported). 魔借's advantage is rating (2.6 vs 1.0) and iOS requirement (9.0 vs 13.0). On price, ratings volume, update cadence 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.
魔借 holds the better App Store score, 2.6 against 1.0. Both are backed by a comparable volume of ratings — 5 and 6 respectively. Written reviews complicate that: 0% of 魔借's written reviews are positive against 86% of 360信用钱包's, so the app with the better star average is not the one people write more warmly about.
魔借 ships an update every 6 weeks, 360信用钱包 every 3 weeks. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.
| Parameter | 魔借 | 360信用钱包 |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (5 ratings) — better | 1.0 (6 ratings) |
| Positive reviews | 0.0% of reviews | 86.4% of reviews — better |
| Number of ratings | 5 | 6 — better |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 9.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 53 MB | 85 MB |
| Age rating | 4+ | 17+ |
| Developer | 德云晟小额贷款股份有限公司 | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
魔借
360信用钱包
In-app purchases
魔借
No in-app purchases
360信用钱包
No in-app purchases
