魔借 vs 360分期贷
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分期贷
This platform offers consumer installment loans with flexible repayment plans and competitive interest rates. It aims to provide quick financial solutions for users, supporting their spending needs and contributing to the real economy. Features include secure transactions and quality assurance for purchases.
- Consumer installment loans
- Flexible repayment plans
- Competitive interest rates
- Secure transactions
- Quality assurance for purchases
- Online application and approval
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360分期贷是奇富科技旗下品牌，您身边的消费分期专家。帮助更多的借款用户获得更优质的服务而推出的消费分期平台。利率合规、还款计划灵活，为很多急需借款的用户解决了燃眉之急，普惠每一个奋斗者，为实体经济助力。 ——产品特色—— 1. 分期购物：国行正品，品质保证 2. 优质体验：分期期限灵活，可支持信用卡等多种方式 3. 安全保障：银行级风控团队保驾护航 ——如何使用—— 1. 在线填写资料，申请额度 2. 快速审批，获得额度 3. 分期借款，多种期限选择慢慢还 ——温馨提示—— 1. 客服/投诉热线：400-6030360（周一至周日：8:00 - 24:00） 2. 贷款额度、利率，放款时间以实际审核为准; 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。
Screenshots
Verdict
The clearest difference is review sentiment: 360分期贷 at 100% against 魔借's 0%. 魔借's advantage is rating (2.6 vs 1.5) and iOS requirement (9.0 vs 13.0). On price, ratings volume, 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
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 1.5. Both are backed by a comparable volume of ratings — 5 and 2 respectively. Written reviews complicate that: 0% of 魔借's written reviews are positive against 100% of 360分期贷'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分期贷 every 3 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | 魔借 | 360分期贷 |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (5 ratings) — better | 1.5 (2 ratings) |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 5 — better | 2 |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Ad-supported | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 9.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 53 MB | 87 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分期贷
In-app purchases
魔借
No in-app purchases
360分期贷
No in-app purchases
