# 洋钱罐借款 vs 360借条

洋钱罐借款 and 360借条 both sit at 4.6 stars, but that hides the real split: 86% of 360借条's written reviews are positive against 49% of 洋钱罐借款's. 360借条 also leads on ratings volume (50K vs 502). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.6 for 洋钱罐借款 against 4.7 for 360借条. That said, the two scores are not equally well evidenced: 360借条 has 50K ratings behind it against 502, so its average is the more settled of the two. Written reviews are what separate them: 49% of 洋钱罐借款's written reviews are positive against 86% of 360借条's.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | 洋钱罐借款 | 360借条 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (502 ratings)](https://appshunter.io/ios/app/id1410049631/reviews) | **[4.7 (50K ratings)](https://appshunter.io/ios/app/360/id1623571691/reviews)** |
| Number of ratings | 502 | **50K** |
| Positive reviews | 49.1% of reviews | **85.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free | Free |
| Size | 84 MB | 93 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借条

[App page](https://appshunter.io/ios/app/360/id1623571691)

This platform offers convenient mobile loans with high credit limits and transparent fee structures. Enjoy flexible repayment options and a secure, entirely online application process. New users can benefit from special interest-free offers.

**Highlights:** High loan limits up to 200,000 CNY, Transparent interest rates starting from 7.2% annualized, Flexible repayment terms (3, 6, 12, up to 24 months), Fully online application, no collateral needed, Facial recognition for quick verification, Secure lending with advanced technology

**Features:** macOS Compatibility, 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借条 free?

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

### Which has better reviews, 洋钱罐借款 or 360借条?

360借条 is rated higher. 洋钱罐借款 averages 4.6 out of 5 from 502 ratings, while 360借条 averages 4.7 from 50K ratings.

### Do 洋钱罐借款 or 360借条 have ads?

Neither 洋钱罐借款 nor 360借条 shows ads.

### Which is updated more often, 洋钱罐借款 or 360借条?

洋钱罐借款 ships an update every 2 weeks, and 360借条 every 2 weeks. Most recently, 洋钱罐借款 was updated on November 2, 2026 and 360借条 on November 5, 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.*