众安小贷 vs 360借条
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
众安小贷
This platform offers unsecured, online consumer loans for individuals and small business owners. It provides fast disbursal with high loan limits and competitive interest rates, secured by professional risk assessment and data encryption.
- High loan limits up to 200,000
- Low daily interest rates starting at 0.02%
- Fast disbursal within 5 seconds
- Flexible repayment periods up to 12 months
- No collateral required
- Secure personal information encryption
- Risk assessment and credit report monitoring
Read full descriptionHide full description
贷款借钱，资金周转，就找众安贷。 【产品优势】 1、额度高：额度最高可达20万元，循环使用，灵活分期。 2、息费低：1千元借12个月，日费用低至2毛，最低年化利率7.2%（单利）。 3、放款快：借款流程简单，线上自动审批，到账时间1分钟起。 4、门槛低：无需抵押贷款，全程线上申请，以实际审批为准。 5、更安全：个人信息严格保密，多重隐私保护措施，为您提供安全保障。 【关于我们】 1、众安贷专注为个人和小微企业提供快速便捷、安全低息的贷款服务，2019年至今持续稳健运营，累计注册用户近1亿，已助力超50万家企业的资金周转。（数据来源：众安贷2025年度运营数据） 2、客服电话400-601-9266（周一至周日09:00-18:00）。 3、微信关注“众安贷”官方公众号、官方小程序，了解并使用。 【温馨提示】 1、贷款有风险，借款需谨慎，请依据个人能力合理贷款，理性消费，避免逾期。 2、众安贷严格遵守有关法律法规，请您务必提供真实申请资料。 3、贷款额度、放款时间、通过率、提额信息等以实际审批结果为准。 4、部分活动仅限特邀用户参与，优惠信息和奖励使用请以APP内活动规则为准。
360借条
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.
- 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
Read full descriptionHide full description
360借条，2024年更名为奇富借条，现仍可使用。是奇富科技旗下信贷科技服务品牌。 【产品特点】 1、手机贷款额度： 审批后最高额度20万元； 2、贷款息费透明： 年化利率（单利）7.2%-24%（以审核为准）； 3、手机贷款更便捷： 贷款全程线上申请，免抵押贷款；使用手机号+身份信息等材料即可申请；360借条创新“刷脸”识别，免上门，免纸质材料； 4、安全借贷： 奇富科技旗下产品，具有先进的网络安全技术，为您借钱保驾护航； 5、新人免息礼包规则： 活动开始日期2022年1月1日结束日期2026年12月31日 参与对象：仅针对360借条新用户； 优惠详情：（限时/7天内）最高免息65元，借12期享最后一期免息； 注：具体券使用规则获取，请以app具体活动页面规则为准！ 微信关注“360借条-奇富借条”公众号，第一时间获取360借条最新消息！ 无惧目标，360借条为你撑腰！ PS: 1.贷款额度、利率，放款时间以实际审核为准； 2.优惠活动仅免除部分利息，详细免息方式以APP内活动规则为准； 3.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； 4.投资有风险，选择需谨慎。
Screenshots
Verdict
The clearest difference is rating: 360借条 at 4.7 against 众安小贷's 3.0. 360借条 also leads on ads (none vs shown) and monetization model (free vs ad-supported). 众安小贷's advantage is review sentiment (95% vs 86%). On price, in-app purchases, device support and iOS requirement 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.
360借条 holds the better App Store score, 4.7 against 3.0. Both are backed by a comparable volume of ratings — 16K and 50K respectively. Written reviews complicate that: 95% of 众安小贷's written reviews are positive against 86% of 360借条's, so the app with the better star average is not the one people write more warmly about.
众安小贷 ships an update monthly, 360借条 every 2 weeks. Both last shipped on November 8, 2026.
| Parameter | 众安小贷 | 360借条 |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (16K ratings) | 4.7 (50K ratings) — better |
| Positive reviews | 95.5% of reviews — better | 85.6% of reviews |
| Number of ratings | 16K | 50K — better |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 164 MB | 93 MB |
| Age rating | 17+ | 17+ |
| Developer | Chongqing Zhongxian Anxing Technology Co., Ltd. | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
众安小贷
360借条
In-app purchases
众安小贷
No in-app purchases
360借条
No in-app purchases
