# U钱包 vs 360分期贷

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.

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.

## The numbers

| Metric | U钱包 | 360分期贷 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/u-app/id1406674094/reviews) | **[1.5 (2 ratings)](https://appshunter.io/ios/app/360/id1505284951/reviews)** |
| Number of ratings | 1 | **2** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 39 MB | 81 MB |
| Requires iOS | **12.0** | 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

### U钱包

[App page](https://appshunter.io/ios/app/u-app/id1406674094)

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.

**Highlights:** 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

**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 U钱包 free?

U钱包 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, U钱包 or 360分期贷?

360分期贷 is rated higher. U钱包 averages 1.0 out of 5 from 1 ratings, while 360分期贷 averages 1.5 from 2 ratings.

### Do U钱包 or 360分期贷 have ads?

360分期贷 shows ads; U钱包 does not.

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

U钱包 ships an update every 5 weeks, and 360分期贷 every 3 weeks. Most recently, U钱包 was updated on September 26, 2026 and 360分期贷 on August 12, 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.*