# 360信用钱包 vs 平安消费金融

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.

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.

## The numbers

| Metric | 360信用钱包 | 平安消费金融 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (6 ratings)](https://appshunter.io/ios/app/360/id1480502565/reviews) | **[3.4 (5 ratings)](https://appshunter.io/ios/app/id1516206989/reviews)** |
| Number of ratings | **6** | 5 |
| Positive reviews | **86.4% of reviews** | 58.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 85 MB | 65 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) | [平安消费金融有限公司](https://appshunter.io/developer/1516206988) |

## 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


### 平安消费金融

[App page](https://appshunter.io/ios/app/id1516206989)

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.

**Highlights:** 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%

**Features:** Vision Pro support

**In-app purchases:** none


## 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 平安消费金融 free?

平安消费金融 is free to download, with no in-app purchases.

### Which has better reviews, 360信用钱包 or 平安消费金融?

平安消费金融 is rated higher. 360信用钱包 averages 1.0 out of 5 from 6 ratings, while 平安消费金融 averages 3.4 from 5 ratings.

### Do 360信用钱包 or 平安消费金融 have ads?

Neither 360信用钱包 nor 平安消费金融 shows ads.

### Which is updated more often, 360信用钱包 or 平安消费金融?

360信用钱包 ships an update every 3 weeks, and 平安消费金融 every 3 weeks. Most recently, 360信用钱包 was updated on October 24, 2026 and 平安消费金融 on October 29, 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.*