U钱包 vs 360分期贷
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
U钱包
This app offers a convenient way to apply for personal loans through your mobile device. It provides flexible repayment options and uses machine-driven approval for efficiency and security. Borrow amounts range from 10,000 to 30,000 yuan with competitive interest rates.
- Loan amounts from 10,000-30,000 yuan
- Low interest rates from 0.021%
- Flexible monthly repayment options
- Online application with facial recognition
- Machine-driven approval process
- Big data risk control for security
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【产品简介】 U钱包是一款个人借款推荐服务APP。手机一站式申请匹配模式可有效降低申请时间和借款成本。 【产品特点】 1、额度10000元-30000元。 2、利率低至0.021%， 降低还款压力。 3、还款方式 可根据个人需要灵活选择还款方式，支持按月还款。 4、线上操作 淘宝实名用户， “刷脸”识别，足不出户即可申请，方便快捷。 5、机器审批 无人工干预，根据评级，提升额度，更高效。 6、大数据风控 拥有严格的风控团队和先进的网络安全技术，基于全方位大数据审批测评，让您借款更安心。 【联系我们】 客服热线：4006849188 U钱包，优享利率。 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 rating: 360分期贷 at 1.5 against U钱包's 1.0. U钱包's advantage is ads (none vs shown) and monetization model (free vs ad-supported). 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.
360分期贷 holds the better App Store score, 1.5 against 1.0. Both are backed by a comparable volume of ratings — 1 and 2 respectively.
U钱包 ships an update every 5 weeks, 360分期贷 every 3 weeks. The most recent releases landed on September 26, 2026 and August 12, 2026 respectively.
| Parameter | U钱包 | 360分期贷 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) | 1.5 (2 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 2 — better |
| Update frequency | Every 5 weeks | Every 3 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 39 MB | 81 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
U钱包
360分期贷
In-app purchases
U钱包
No in-app purchases
360分期贷
No in-app purchases
