# 魔借 vs 360分期贷

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.

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.

## The numbers

| Metric | 魔借 | 360分期贷 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (5 ratings)](https://appshunter.io/ios/app/id1197956810/reviews)** | [1.5 (2 ratings)](https://appshunter.io/ios/app/360/id1505284951/reviews) |
| Number of ratings | **5** | 2 |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Ad-supported | Ad-supported |
| Size | 53 MB | 87 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分期贷

[App page](https://appshunter.io/ios/app/360/id1505284951)

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.

**Highlights:** Consumer installment loans, Flexible repayment plans, Competitive interest rates, Secure transactions, Quality assurance for purchases, Online application and approval

**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分期贷 free?

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

### Which has better reviews, 魔借 or 360分期贷?

魔借 is rated higher. 魔借 averages 2.6 out of 5 from 5 ratings, while 360分期贷 averages 1.5 from 2 ratings.

### Do 魔借 or 360分期贷 have ads?

Both 魔借 and 360分期贷 show ads.

### Which is updated more often, 魔借 or 360分期贷?

魔借 ships an update every 6 weeks, and 360分期贷 every 3 weeks. Most recently, 魔借 was updated on November 2, 2026 and 360分期贷 on November 3, 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.*