# 众安小贷 vs 360借条

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.

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.

## The numbers

| Metric | 众安小贷 | 360借条 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (16K ratings)](https://appshunter.io/ios/app/id1478276004/reviews) | **[4.7 (50K ratings)](https://appshunter.io/ios/app/360/id1623571691/reviews)** |
| Number of ratings | 16K | **50K** |
| Positive reviews | **95.5% of reviews** | 85.6% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 164 MB | 93 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Chongqing Zhongxian Anxing Technology Co., Ltd.](https://appshunter.io/developer/1699742552) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## What reviewers say

### 众安小贷

[App page](https://appshunter.io/ios/app/id1478276004)

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.

**Highlights:** 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

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

**In-app purchases:** none


### 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 众安小贷 free?

众安小贷 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, 众安小贷 or 360借条?

360借条 is rated higher. 众安小贷 averages 3.0 out of 5 from 16K ratings, while 360借条 averages 4.7 from 50K ratings.

### Do 众安小贷 or 360借条 have ads?

众安小贷 shows ads; 360借条 does not.

### Which is updated more often, 众安小贷 or 360借条?

众安小贷 ships an update monthly, and 360借条 every 2 weeks. Most recently, 众安小贷 was updated on November 8, 2026 and 360借条 on November 8, 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.*