洋钱罐借款 vs 360信用钱包
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
洋钱罐借款
This app provides convenient and stable financial loan services with flexible repayment options. Users can borrow up to 200,000 with a 6-12 month installment plan, all managed through a mobile-first application process. It emphasizes fast disbursement and transparent fees.
- High loan limits up to 200,000
- Fast disbursement, starting from 5 minutes
- 6-12 month installment repayment
- Transparent annualized interest rates starting from 7.2%
- Secure privacy protection measures
- Fully mobile application process
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洋钱罐借款致力于通过科技提高金融服务的品质与效率，实现“科技助力金融机构 智慧改变信用生活”的使命，为有需求的用户提供方便、稳定、便捷的金融借款服务，可以分6-12期还款。申请便捷，全程手机操作！ 【洋钱罐借款5大优势】 【额度高】最高额度至20万！ 【放款快】借款流程简单，在线自动化审批，到账时间5分钟起！ 【分期长】6-12个月分期还款，无抵押贷款！ 【息费透明】年化综合息费率（单利）7.2%起（以审核为准）！ 【安全保障】多重隐私保护措施，防止信息泄露！ 温馨提示： 1.贷款有风险，借款需谨慎，请根据个人经济能力合理贷款，合理消费，避免逾期； 2.贷款额度、利率、放款时间以实际审核为准。 3.洋钱罐借款为网络借贷信息中介服务平台，将严格遵守有关法律法规。请您务必提供真实申请资料。 【联系我们】 客服电话：400-034-6868
360信用钱包
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.
- Personal credit assessment
- Installment purchases
- Cash loans
- Consumer finance
- Big data technology
- Machine learning
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产品优势： - 360信用钱包是美股上市公司奇富科技旗下的金融科技平台。 - 通过云计算、机器学习、大数据等技术客观评估个人信用，致力于为用户打造专业的消费金融科技平台。平台亦会提供分期购，分期借等多种现金消费形式，旨在向用户提供正规、便捷、省心的分期消费体验，提升用户的消费生活品质。 - 先消费后还款，分期立享所爱 - 费率透明：年化利率(单利)7.2%-24%（以审核为准）； 温馨提示： - 客服/投诉热线：400-6030360（周一至周日：8:00 - 24:00） - 贷款额度、利率，放款时间以实际审核为准; - 福利活动仅抵扣部分利息，详细优惠方式以APP内活动规则为准； (新用户限时最长免息 30天，最高免息65元，借12期享最后一期免息) - 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: 洋钱罐借款 at 4.6 against 360信用钱包's 1.0. 洋钱罐借款 also leads on ratings volume (502 vs 6). 360信用钱包's advantage is review sentiment (86% vs 49%). On price, update cadence, ads 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.
洋钱罐借款 holds the better App Store score, 4.6 against 1.0. That said, the two scores are not equally well evidenced: 洋钱罐借款 has 502 ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 49% of 洋钱罐借款'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.
洋钱罐借款 ships an update every 2 weeks, 360信用钱包 every 3 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.
| Parameter | 洋钱罐借款 | 360信用钱包 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (502 ratings) — better | 1.0 (6 ratings) |
| Positive reviews | 49.1% of reviews | 86.4% of reviews — better |
| Number of ratings | 502 — better | 6 |
| Update frequency | Every 2 weeks — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 84 MB | 85 MB |
| Age rating | 17+ | 17+ |
| Developer | Beijing Lingyue Information Technology Co. Ltd. | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
洋钱罐借款
360信用钱包
Bugs and requests
洋钱罐借款
Reported bugs
5 issues- Verification codes not received for cancellation
- App crashes or freezes
- Inability to borrow after submitting all information
- System robot calls are frequent
- Difficulty in repayment through multiple channels
Requested features
7 requests- Improve customer service responsiveness
- Add more repayment options
- Reduce marketing messages
- Allow easier account cancellation
- Improve credit check process to avoid wasting user time
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- Offer higher credit limits for repeat users
- Provide clearer information on fees and interest
360信用钱包
Not enough reviews yet to summarise bugs or requests.
In-app purchases
洋钱罐借款
No in-app purchases
360信用钱包
No in-app purchases
