# 魔借 vs 360信用钱包

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.

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.

## The numbers

| Metric | 魔借 | 360信用钱包 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (5 ratings)](https://appshunter.io/ios/app/id1197956810/reviews)** | [1.0 (6 ratings)](https://appshunter.io/ios/app/360/id1480502565/reviews) |
| Number of ratings | 5 | **6** |
| Positive reviews | 0.0% of reviews | **86.4% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 53 MB | 85 MB |
| Requires iOS | **9.0** | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [德云晟小额贷款股份有限公司](https://appshunter.io/developer/1464117186) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## What reviewers say

### 魔借

[App page](https://appshunter.io/ios/app/id1197956810)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### 360信用钱包

[App page](https://appshunter.io/ios/app/360/id1480502565)

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.

**Highlights:** Personal credit assessment, Installment purchases, Cash loans, Consumer finance, Big data technology, Machine learning

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 魔借 free?

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

### Is 360信用钱包 free?

360信用钱包 is free to download, with no in-app purchases.

### Which has better reviews, 魔借 or 360信用钱包?

魔借 is rated higher. 魔借 averages 2.6 out of 5 from 5 ratings, while 360信用钱包 averages 1.0 from 6 ratings.

### Do 魔借 or 360信用钱包 have ads?

魔借 shows ads; 360信用钱包 does not.

### Which is updated more often, 魔借 or 360信用钱包?

魔借 ships an update every 6 weeks, and 360信用钱包 every 3 weeks. Most recently, 魔借 was updated on November 2, 2026 and 360信用钱包 on November 7, 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.*