360分期贷 vs 微博钱包
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
360分期贷
This platform offers consumer installment loans with flexible repayment plans and competitive interest rates. It aims to provide quick financial solutions for users, supporting their spending needs and contributing to the real economy. Features include secure transactions and quality assurance for purchases.
- Consumer installment loans
- Flexible repayment plans
- Competitive interest rates
- Secure transactions
- Quality assurance for purchases
- Online application and approval
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360分期贷是奇富科技旗下品牌，您身边的消费分期专家。帮助更多的借款用户获得更优质的服务而推出的消费分期平台。利率合规、还款计划灵活，为很多急需借款的用户解决了燃眉之急，普惠每一个奋斗者，为实体经济助力。 ——产品特色—— 1. 分期购物：国行正品，品质保证 2. 优质体验：分期期限灵活，可支持信用卡等多种方式 3. 安全保障：银行级风控团队保驾护航 ——如何使用—— 1. 在线填写资料，申请额度 2. 快速审批，获得额度 3. 分期借款，多种期限选择慢慢还 ——温馨提示—— 1. 客服/投诉热线：400-6030360（周一至周日：8:00 - 24:00） 2. 贷款额度、利率，放款时间以实际审核为准; 3. 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。
微博钱包
This platform offers a comprehensive financial service, including wallet management, payments, and access to low-interest loans from licensed institutions. It also provides exclusive discounts and robust security measures for personal information.
- Wallet account management
- Recharge and withdrawal
- Bank card payments
- Low-interest loan applications
- Exclusive discount services
- Financial-grade security
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【产品介绍】 微博钱包APP是微博旗下官方产品，能帮您在购物、外卖、打车等众多场景中省钱，让您告别原价买东西！除此之外，微博钱包APP还为用户提供了钱包管理、充值、提现、支付、授信申请等多项综合服务。 【购物省钱】 淘宝、京东、拼多多、唯品会上90%的商品都能帮您找到优惠券或返现，再也不用原价买东西了！ 【生活省钱神器】 美团、饿了么、滴滴、麦当劳、星巴克、瑞幸...订外卖、打车、订酒店机票、买电影票、寄快递，先领大额红包后下单，而且单单都有返现！ 【钱包服务】 微博钱包APP支持为用户开立钱包账户，用户可以通过身份信息验证和密码设置开立对应的余额账户，目前支持充值、提现、银行卡支付等多项钱包功能。 【资金周转服务】 微博钱包APP·借钱频道属于微博官方平台，贷款资金来自合作的各大持牌金融机构，平台不提供任何贷款资金，合作金融机构资质齐全，为您提供专业、智能、便捷的个人消费借贷服务。 【安全保障】 金融机构级别安全防护，通过PCI-DSS认证，完成工信部备案，个人信息加密符合国家认证的算法，内嵌CFCA安全键盘，为您提供全方位安全保障服务。 客服电话： 400-030-8800
Screenshots
Verdict
The clearest difference is rating: 微博钱包 at 4.7 against 360分期贷's 1.5. 微博钱包 also leads on ads (none vs shown) and ratings volume (4.9K vs 2). 360分期贷's advantage is review sentiment (100% vs 91%) and iOS requirement (13.0 vs 15.0). On price, update cadence, in-app purchases and device support 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.
微博钱包 holds the better App Store score, 4.7 against 1.5. That said, the two scores are not equally well evidenced: 微博钱包 has 4.9K ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 100% of 360分期贷's written reviews are positive against 91% of 微博钱包's, so the app with the better star average is not the one people write more warmly about.
360分期贷 ships an update every 3 weeks, 微博钱包 monthly. The most recent releases landed on October 21, 2026 and October 22, 2026 respectively.
| Parameter | 360分期贷 | 微博钱包 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.5 (2 ratings) | 4.7 (4.9K ratings) — better |
| Positive reviews | 100.0% of reviews — better | 91.1% of reviews |
| Number of ratings | 2 | 4.9K — better |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 81 MB | 102 MB |
| Age rating | 17+ | 17+ |
| Developer | Fuzhou Qifu Online Microcredit Co., Ltd | 新浪支付 |
Customer experience
360分期贷
微博钱包
In-app purchases
360分期贷
No in-app purchases
微博钱包
No in-app purchases
