# 洋钱罐借款 vs 360信用钱包

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.

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 7, 2026 respectively.

## The numbers

| Metric | 洋钱罐借款 | 360信用钱包 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (502 ratings)](https://appshunter.io/ios/app/id1410049631/reviews)** | [1.0 (6 ratings)](https://appshunter.io/ios/app/360/id1480502565/reviews) |
| Number of ratings | **502** | 6 |
| Positive reviews | 49.1% of reviews | **86.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 84 MB | 85 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Beijing Lingyue Information Technology Co. Ltd.](https://appshunter.io/developer/1052663958) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## What reviewers say

### 洋钱罐借款

[App page](https://appshunter.io/ios/app/id1410049631)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast loan disbursement
- 👍 Simple application process
- 👍 Convenient and practical
- 👍 Efficient approval process
- 👍 Low interest rates (mentioned by some)

**What reviewers complain about**

-  predatory interest rates
- 📞 Excessive marketing calls
- 💸 Unfair charges
- 🚫 Customer service unresponsive
- 🔒 Privacy concerns and data selling

**Reported bugs**

- 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**

- Improve customer service responsiveness
- Add more repayment options
- Reduce marketing messages
- Allow easier account cancellation
- Improve credit check process to avoid wasting user time


### 360信用钱包

[App page](https://appshunter.io/ios/app/360/id1480502565)

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.

**Highlights:** Personal credit assessment, Installment purchases, Cash loans, Consumer finance, Big data technology, Machine learning

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 洋钱罐借款 free?

洋钱罐借款 is free to download, with no in-app purchases.

### Is 360信用钱包 free?

360信用钱包 is free to download, with no in-app purchases.

### Which has better reviews, 洋钱罐借款 or 360信用钱包?

洋钱罐借款 is rated higher. 洋钱罐借款 averages 4.6 out of 5 from 502 ratings, while 360信用钱包 averages 1.0 from 6 ratings.

### Do 洋钱罐借款 or 360信用钱包 have ads?

Neither 洋钱罐借款 nor 360信用钱包 shows ads.

### Which is updated more often, 洋钱罐借款 or 360信用钱包?

洋钱罐借款 ships an update every 2 weeks, and 360信用钱包 every 3 weeks. Most recently, 洋钱罐借款 was updated on November 6, 2026 and 360信用钱包 on November 7, 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.*