Comparison

360信用钱包 vs 老哥记账

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Personal credit assessment
  • Installment purchases
  • Cash loans
  • Consumer finance
  • Big data technology
  • Machine learning
Features
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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。

About

老哥记账

This app helps manage personal bills and loans with smart reminders for due dates and amounts. It supports various bank credit cards and online loan accounts, offering insights into spending and secure cloud storage for your financial data.

Highlights
  • Smart bill management
  • Automatic overdue reminders
  • Credit card and loan tracking
  • Account analysis
  • Cloud storage
  • One-click bill processing
Features
Read full description

马上记账是一款针对个人账单管理的记帐软件,提供智能账单管理、自动逾期提醒、专业账户分析等服务。各类账单快速导入,每月待还一目了然,让你轻松上手告别逾期。 【信用卡账单】,支持招商银行、中国银行、工商银行、建设银行、民生银行、广发银行、农业银行、光大银行、平安银行等百余家银行信用卡账单管理服务; 【生活账单】,支持京东白条、花呗、微信账单等各种借款的账单管理; 【自动提醒】,账单日、还款日、还款金额智能提醒,避免逾期高额罚息; 【一键处理】,账单修改、结清、延期等操作一键完成,极速体验; 【账户分析】,资金流水轻松看懂,规划好个人资金消费管理; 【云端存储】,随时随地云端储存年度账单,换手机也不怕丢账单; 【自动续费VIP服务说明】 *订阅周期:1个月(连续包月产品),6个月(连续包月产品),12个月(连续包年产品)。 *订阅价格:连续包月产品为每月68元;连续包6个月产品为每月198元;连续包年产品每年298元。 *付款:通过用户的iTunes账户扣款,用户确认购买后即付款。 *取消续订:如需取消续订,请在当前订阅周期到期前24小时以前,手动在iTunes/Apple ID设置管理中关闭自动续订功能。 *续订:苹果iTunes账户会在到期前24小时内扣费,扣费成功后订阅周期顺延一个订阅周期。 *订阅可以由用户管理,并且可以在购买后在用户的账户设置里关闭自动订阅。 *用户使用协议:https://lgjz.yindengfintech.com/help/disclaimer *隐私保护协议:https://lgjz.yindengfintech.com/help/privacy *自动续费服务协议:https://lgjz.yindengfintech.com/help/automatic_renewal 【联系我们】 官方网站:www.yindengfintech.com 微信公众号:马上记账 意见反馈:马上记账app>我的>意见

Screenshots

360信用钱包3 screens
老哥记账3 screens

Verdict

The call

The clearest difference is in-app purchases: 360信用钱包 at none against 老哥记账's 3. 老哥记账's advantage is iOS requirement (9.0 vs 13.0). On price, review sentiment, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. 老哥记账 sells 3 in-app purchases, starting at $9.49 per month. 360信用钱包 asks for nothing beyond the download.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 22, 2026 and October 8, 2026 respectively.

Scorecard3 real differences · 7 level
360信用钱包 versus 老哥记账: the parameters behind the verdict, then further details
Parameter360信用钱包老哥记账
PriceFreeFree
Rating1.0 (6 ratings) — better—
Positive reviews86.4% of reviews — better84.6% of reviews
Number of ratings6 — better—
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.09.0 — better
Further details — not scored
Size85 MB20 MB
Age rating17+4+
DeveloperFuzhou Qifu Online Microcredit Co., LtdAnhui Yindeng Network Information Technology Co., Ltd

Customer experience

360信用钱包

All ratings5 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews22 reviews
Positive86.4%
Neutral0.0%
Negative13.6%

老哥记账

Written reviews13 reviews
Positive84.6%
Neutral0.0%
Negative15.4%

In-app purchases

None

360信用钱包

No in-app purchases

3 purchases

老哥记账

Subscriptions3
  • 单月体验$9.491 Month
  • 半年会员$26.996 Months
  • 一年会员$40.991 Year

Questions

Is 360信用钱包 free?
360信用钱包 is free to download, with no in-app purchases.
Is 老哥记账 free?
老哥记账 is free to download, with in-app purchases available.
Do 360信用钱包 or 老哥记账 have ads?
Neither 360信用钱包 nor 老哥记账 shows ads.
Which is updated more often, 360信用钱包 or 老哥记账?
360信用钱包 ships an update every 3 weeks, and 老哥记账 every 3 weeks. Most recently, 360信用钱包 was updated on October 22, 2026 and 老哥记账 on October 8, 2026.

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