# 360信用钱包 vs 老哥记账

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.

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.

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

## The numbers

| Metric | 360信用钱包 | 老哥记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.0 (6 ratings)](https://appshunter.io/ios/app/360/id1480502565/reviews)** | — |
| Number of ratings | **6** | — |
| Positive reviews | **86.4% of reviews** | 84.6% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 85 MB | 20 MB |
| Requires iOS | 13.0 | **9.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) | [Anhui Yindeng Network Information Technology Co., Ltd](https://appshunter.io/developer/1505295259) |

## What reviewers say

### 360信用钱包

[App page](https://appshunter.io/ios/app/360/id1480502565)

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:** Vision Pro support

**In-app purchases:** none


### 老哥记账

[App page](https://appshunter.io/ios/app/id1505295260)

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:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 单月体验 | $9.49 | per month |
| 半年会员 | $26.99 | per 6 months |
| 一年会员 | $40.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*