极融借款 vs 360借条
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
极融借款
This platform offers quick, online loan applications with no collateral required. It provides transparent interest rates and allows users to track their loan progress easily. Get access to funds up to 200,000 yuan with smart, efficient approval processes.
- High loan limits up to 200,000 yuan
- Easy online application, no collateral needed
- Smart and efficient approval process
- Real-time tracking of loan progress
- Transparent annual interest rates from 7.2% to 24%
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【产品特点】 1、额度高：额度最高20万元 2、申请易：线上申请，无抵押 3、效率高：智能审核 4、操作易：借款进度随时可查 5、费息透明：年化利率7.2%-24%（单利），实际以审核为准 【关于我们】 极融APP运用互联网安全技术和大数据技术，基于海量用户信用数据及行为数据为有需求的用户提供方便、稳定、便捷的金融借款服务，申请方便，息费透明，年化利率7.2%-24%（单利）。 【温馨提示】 贷款额度、放款时间以实际审批结果为准； 实际放款以借款合同约定为准； 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。 客服热线：4000627626，人工服务时间（非节假日8:00-21:00，节假日9:00-19:00）
360借条
This platform offers convenient mobile loans with high credit limits and transparent fee structures. Enjoy flexible repayment options and a secure, entirely online application process. New users can benefit from special interest-free offers.
- High loan limits up to 200,000 CNY
- Transparent interest rates starting from 7.2% annualized
- Flexible repayment terms (3, 6, 12, up to 24 months)
- Fully online application, no collateral needed
- Facial recognition for quick verification
- Secure lending with advanced technology
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360借条，2024年更名为奇富借条，现仍可使用。是奇富科技旗下信贷科技服务品牌。 【产品特点】 1、手机贷款额度： 审批后最高额度20万元； 2、贷款息费透明： 年化利率（单利）7.2%-24%（以审核为准）； 3、手机贷款更便捷： 贷款全程线上申请，免抵押贷款；使用手机号+身份信息等材料即可申请；360借条创新“刷脸”识别，免上门，免纸质材料； 4、安全借贷： 奇富科技旗下产品，具有先进的网络安全技术，为您借钱保驾护航； 5、新人免息礼包规则： 活动开始日期2022年1月1日结束日期2026年12月31日 参与对象：仅针对360借条新用户； 优惠详情：（限时/7天内）最高免息65元，借12期享最后一期免息； 注：具体券使用规则获取，请以app具体活动页面规则为准！ 微信关注“360借条-奇富借条”公众号，第一时间获取360借条最新消息！ 无惧目标，360借条为你撑腰！ PS: 1.贷款额度、利率，放款时间以实际审核为准； 2.优惠活动仅免除部分利息，详细免息方式以APP内活动规则为准； 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； 4.投资有风险，选择需谨慎。
Screenshots
Verdict
极融借款 and 360借条 both sit at 4.6 stars, but that hides the real split: 86% of 360借条's written reviews are positive against 63% of 极融借款's. 360借条 also leads on update cadence (every 2 weeks vs monthly) and iOS requirement (13.0 vs 15.0). On price, rating, ratings volume 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.
On the App Store both sit at effectively the same score — 4.6 for 极融借款 against 4.7 for 360借条. Both are backed by a comparable volume of ratings — 32K and 50K respectively. Written reviews are what separate them: 63% of 极融借款's written reviews are positive against 86% of 360借条's.
极融借款 ships an update monthly, 360借条 every 2 weeks. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.
| Parameter | 极融借款 | 360借条 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (32K ratings) | 4.7 (50K ratings) — better |
| Positive reviews | 62.5% of reviews | 85.6% of reviews — better |
| Number of ratings | 32K | 50K — better |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 172 MB | 93 MB |
| Age rating | 17+ | 17+ |
| Developer | Jiangxi Peitao Technology Company Limited | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
极融借款
360借条
In-app purchases
极融借款
No in-app purchases
360借条
No in-app purchases
