Comparison

360信用钱包 vs 车抵贷

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
Read 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。

About

车抵贷

This app provides car owners with loan services, offering high loan amounts and flexible repayment options. It features a simple online application process with transparent fees and is backed by reputable financial institutions.

Highlights
  • High loan amounts (30,000 - 1,000,000 CNY)
  • Simple online application
  • Low annual interest rates from 6%
  • No additional service fees
  • Flexible installment payments
  • Funds from regulated banks
Features
Read full description

车主贷,官方车主服务,汽车贷款,全国覆盖,0服务费! -正规银行等机构放款!不押车,利率低,期限长!专业的汽车金融服务平台! 【产品特点】 1、额度高:额度3万~100万元(以实际审批为准) 2、申请易:手机线上申请,填写资料简单; 3、正规化:由银行直接提供资金服务,持牌机构安全无忧; 4、分期还:正规银行服务,可借款分期还款; 5、费息透明:年化利率6%起(单利),无额外手续费(具体以实际以审核为准); 6、申请门槛:23-55周岁车主,有车人群凭真是有效个人信息和手机号就可以申请; 【关于我们】 融悦车主贷(简称:车主贷)融悦集团旗下产品,为有需要的客户和金融机构提供全流程科技以及服务,正规持牌金融机构,资金和隐私安全有保证。车主贷提供的金融机构信贷产品额度高、还款方式多样灵活,流程透明简单方便快捷,帮您解决经济问题! 【风险提示】 -贷款有风险,借款需谨慎; -最终贷款额度、利率、放款时间等以资金方实际审批结果为准; -请根据个人能力合理贷款,理性消费,避免逾期。

Screenshots

360信用钱包3 screens
车抵贷3 screens

Verdict

The call

The clearest difference is rating: 车抵贷 at 5.0 against 360信用钱包's 1.0. 车抵贷 also leads on update cadence (every 4 days vs every 3 weeks). On price, ratings volume, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

车抵贷 holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 5 and 2 respectively.

UpkeepUpdate frequency

360信用钱包 ships an update every 3 weeks, 车抵贷 every 4 days. The most recent releases landed on September 17, 2026 and June 1, 2026 respectively.

Scorecard2 real differences · 8 level
360信用钱包 versus 车抵贷: the parameters behind the verdict, then further details
Parameter360信用钱包车抵贷
PriceFreeFree
Rating1.0 (5 ratings)5.0 (2 ratings) — better
Positive reviews86.4% of reviews—
Number of ratings5 — better2
Update frequencyEvery 3 weeksEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better14.0
Further details — not scored
Size85 MB9 MB
Age rating17+17+
DeveloperFuzhou Qifu Online Microcredit Co., LtdHenan Nianyun Network 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%

车抵贷

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

360信用钱包

No in-app purchases

None

车抵贷

No in-app purchases

Questions

Is 360信用钱包 free?
360信用钱包 is free to download, with no in-app purchases.
Is 车抵贷 free?
车抵贷 is free to download, with no in-app purchases.
Which has better reviews, 360信用钱包 or 车抵贷?
车抵贷 is rated higher. 360信用钱包 averages 1.0 out of 5 from 5 ratings, while 车抵贷 averages 5.0 from 2 ratings.
Do 360信用钱包 or 车抵贷 have ads?
Neither 360信用钱包 nor 车抵贷 shows ads.
Which is updated more often, 360信用钱包 or 车抵贷?
360信用钱包 ships an update every 3 weeks, and 车抵贷 every 4 days. Most recently, 360信用钱包 was updated on September 17, 2026 and 车抵贷 on June 1, 2026.

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