360信用钱包 vs 花鸭借钱
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
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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。
花鸭借钱
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“花鸭借钱”是一款面向年轻人的消费信贷APP，提供合规、快捷、安心的借款服务。 恋爱、买东西、付房租、请吃饭、资金周转不用愁，贷款借钱就找“花鸭借钱”，息费透明，申请便捷，还款灵活。 （仅限对22-55岁用户借款） 【产品优势】 1、低息费：按日计息，息费超低（千元日息0.3元起） 2、高额度：最高可至20万元，期数灵活选择 3、审核快放款快：在线申请，简单操作，实时审批最快10分钟到账 4、够安全够合规：正规持牌金融机构，坚决打击套路贷 【联系我们】 如果您有任何问题，欢迎联系我们~ 客服电话：400-000-3586 官网地址：qd.huayajieeqian.com 微信公众号：花鸭借钱 【温馨提示】 1、贷款有风险，借款需蓮慎；请根据个人能力合理货款，理性消费，避免逾期。 2、贷款额度、利率、放款时间以实际审核为准。
Screenshots
Verdict
360信用钱包 and 花鸭借钱 are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 24, 2026 and October 12, 2026 respectively.
| Parameter | 360信用钱包 | 花鸭借钱 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (6 ratings) — better | — |
| Positive reviews | 86.4% of reviews | — |
| Number of ratings | 6 — better | — |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 85 MB | 55 MB |
| Age rating | 17+ | 17+ |
| Developer | Fuzhou Qifu Online Microcredit Co., Ltd | 深圳钒钛信息技术服务有限公司 |
In-app purchases
360信用钱包
No in-app purchases
花鸭借钱
No in-app purchases
