360信用钱包 vs 平安消费金融
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
Read full descriptionHide full description
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。
平安消费金融
This app provides personal revolving consumer credit loans, allowing users to borrow money quickly and conveniently through a mobile-first process. It offers flexible loan amounts and 24/7 access to funds, with interest only charged on amounts used.
- Personal revolving credit loans
- Fast mobile application process
- Loan amounts from 500 to 200,000 RMB
- 24/7 borrowing access
- Interest only on used funds
- Annual interest rates from 4%-24%
Read full descriptionHide full description
平安小橙花是平安消费金融有限公司推出的个人循环消费信用贷款产品，平安小橙花，助您小有所成！ 【关于平安消费金融】平安消费金融有限公司（简称"平安消费金融"）经国家金融监督管理总局（原中国银保监会）批准在上海成立，是一家可为用户提供全方位消费金融服务的全国性科技型消费金融公司。 【操作流程快】全程手机线上操作，简单3步，快速借款，授信额度随时可用，可借额度100元-20万元。 【随时借款】24小时随时借款，不动用不计息。 【联系我们】 官方微信：平安消费金融（ID: pinganxfjr) 官方抖音：平安消费金融（抖音号：PingAnCF) 官方网站：www.pacfc.com 客服热线：400-026-6666 特别提醒： 贷款有风险，借款需谨慎，请根据个人能力合理借款，理性消费，避免逾期。 您所获得的出借人发放的借款不得用于投资房市、股市、期货或者其他股本权益性投资。 平安消费金融不会通过个人向您收取费用，也不会要求您将钱款转入个人账户，请您注意防范金融诈骗风险，或可拨打400-026-6666客服电话进行咨询。 借款额度、放款时间、利息等请以实际审批结果为准。 年化利率（单利）4%-24%（对应日利率0.011%-0.066%) 说明：实际利率需要根据客户资信情况确定。
Screenshots
Verdict
The clearest difference is rating: 平安消费金融 at 3.4 against 360信用钱包's 1.0. 360信用钱包's advantage is review sentiment (86% vs 58%) and monetization model (free vs free with in-app purchases). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
平安消费金融 holds the better App Store score, 3.4 against 1.0. Both are backed by a comparable volume of ratings — 6 and 5 respectively. Written reviews complicate that: 86% of 360信用钱包's written reviews are positive against 58% of 平安消费金融's, so the app with the better star average is not the one people write more warmly about.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.
| Parameter | 360信用钱包 | 平安消费金融 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (6 ratings) | 3.4 (5 ratings) — better |
| Positive reviews | 86.4% of reviews — better | 58.3% of reviews |
| Number of ratings | 6 — better | 5 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 85 MB | 65 MB |
| Age rating | 17+ | 17+ |
| Developer | Fuzhou Qifu Online Microcredit Co., Ltd | 平安消费金融有限公司 |
Customer experience
360信用钱包
平安消费金融
In-app purchases
360信用钱包
No in-app purchases
平安消费金融
No in-app purchases
