钱小乐 vs 360信用钱包
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
钱小乐
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钱小乐金融是广州数融打造的智能借款服务平台，流程简单，全线上完成借款。 【产品特征】 1、额度高：可借20万 2、放款快：实时审批，自动化放款 3、还款方便：到期还款提醒，借还方便 温馨提示 - 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；
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
钱小乐 and 360信用钱包 both sit at 1.0 stars, but that hides the real split: 86% of 360信用钱包's written reviews are positive against 35% of 钱小乐's. 360信用钱包 also leads on update cadence (every 3 weeks vs every 6 weeks) and ratings volume (5 vs 1). On price, rating, 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.
On the App Store both sit at effectively the same score — 1.0 for 钱小乐 against 1.0 for 360信用钱包. That said, the two scores are not equally well evidenced: 360信用钱包 has 5 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 35% of 钱小乐's written reviews are positive against 86% of 360信用钱包's.
钱小乐 ships an update every 6 weeks, 360信用钱包 every 3 weeks. The most recent releases landed on September 18, 2026 and September 17, 2026 respectively.
| Parameter | 钱小乐 | 360信用钱包 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) | 1.0 (5 ratings) |
| Positive reviews | 35.0% of reviews | 86.4% of reviews — better |
| Number of ratings | 1 | 5 — better |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 90 MB | 85 MB |
| Age rating | 4+ | 17+ |
| Developer | Shanghai JiaShu Technology Co., Ltd | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
钱小乐
360信用钱包
In-app purchases
钱小乐
No in-app purchases
360信用钱包
No in-app purchases
