# 极融借款 vs 360借条

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.

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. Both last shipped on November 7, 2026.

## The numbers

| Metric | 极融借款 | 360借条 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (32K ratings)](https://appshunter.io/ios/app/id1515095186/reviews) | **[4.7 (50K ratings)](https://appshunter.io/ios/app/360/id1623571691/reviews)** |
| Number of ratings | 32K | **50K** |
| Positive reviews | 62.5% of reviews | **85.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 172 MB | 93 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Jiangxi Peitao Technology Company Limited](https://appshunter.io/developer/6804906189) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## What reviewers say

### 极融借款

[App page](https://appshunter.io/ios/app/id1515095186)

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.

**Highlights:** 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%

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### 360借条

[App page](https://appshunter.io/ios/app/360/id1623571691)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 极融借款 free?

极融借款 is free to download, with no in-app purchases.

### Is 360借条 free?

360借条 is free to download, with no in-app purchases.

### Which has better reviews, 极融借款 or 360借条?

360借条 is rated higher. 极融借款 averages 4.6 out of 5 from 32K ratings, while 360借条 averages 4.7 from 50K ratings.

### Do 极融借款 or 360借条 have ads?

Neither 极融借款 nor 360借条 shows ads.

### Which is updated more often, 极融借款 or 360借条?

极融借款 ships an update monthly, and 360借条 every 2 weeks. Most recently, 极融借款 was updated on November 7, 2026 and 360借条 on November 7, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*