Comparison

翼支付 vs 奇富借条(原360借条)

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

翼支付

Features
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翼支付是中国电信旗下的第三方支付平台,致力于为用户提供优惠、便捷、安全的数字生活服务。 有玩有买福利多 --全新购物商城,超值好物秒杀,逛玩家乡特产、精品大牌,更有超值星期五等福利活动; --买大牌美妆、正品酒水、数码潮电、安心乳饮、品质粮油、家清个护,就上翼支付!正品保障,低价好货,爆款直降; --天天团爆款,乐享霸王餐,本地休闲玩乐全搜罗; --精彩视频,看达人分享、生活妙招、前沿资讯,边看边买; --做任务攒绿能,早起打卡赢现金、天天签到抢爆款券等等更多玩法等你来探索! 便民生活优惠多 --全月享话费充值、水电燃气笔笔立减; --新增转账到他人银行卡功能,支持手机网银转账; --信用卡还款、银行卡转账0手续费; --支持扫银联、支付宝、收钱吧线下二维码,一码走天下; --支持查看数字身份证,忘带身份证就上翼支付; 安全保障专业多 --精选数十款网红产品; --免费提供保险规划服务; 资金周转便利多 --极速审核,专业可靠,额度最高可达20万; --期数自选,还款灵活,降低每月还款压力; --新户福利,免息活动,多种权益月月上新; 额度高,放款快,灵活分期; 借款最高享750元免息券; 如您在使用中有任何问题需要帮助,请联系我们: --应用内反馈:【我的】--右上角菜单--我的客服 --官方邮箱:kefu@bestpay.com.cn --客服服务热线:95106

About

奇富借条(原360借条)

This app provides mobile credit loans with high limits and transparent fees. It offers flexible repayment options, a fully online application process with facial recognition, and secure borrowing. New users can benefit from an interest-free offer.

Highlights
  • High loan limits up to 200,000 yuan
  • Transparent interest and fees
  • Flexible repayment options (3, 6, 12, 24 months)
  • Fully online application with facial recognition
  • Secure borrowing with advanced technology
  • New user interest-free gift package
Features
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奇富借条(原360借条),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;奇富借条创新“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、新人免息规则: 活动开始日期2022年1月1日结束日期2026年12月31日 奇富借条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; 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,第一时间获取奇富借条最新消息! 无惧目标,奇富借条为你撑腰! 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

翼支付4 screens
奇富借条(原360借条)4 screens

Verdict

The call

The clearest difference is rating: 奇富借条(原360借条) at 4.9 against 翼支付's 3.5. 奇富借条(原360借条) also leads on ads (none vs shown) and ratings volume (2.8M vs 27K). 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

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

奇富借条(原360借条) holds the better App Store score, 4.9 against 3.5. That said, the two scores are not equally well evidenced: 奇富借条(原360借条) has 2.8M ratings behind it against 27K, so its average is the more settled of the two. Written reviews point the same way: 38% of 翼支付's written reviews are positive against 58% of 奇富借条(原360借条)'s.

UpkeepUpdate frequency

翼支付 ships an update every 4 weeks, 奇富借条(原360借条) fortnightly. Both last shipped on September 27, 2026.

Scorecard4 real differences · 6 level
翼支付 versus 奇富借条(原360借条): the parameters behind the verdict, then further details
Parameter翼支付奇富借条(原360借条)
PriceFreeFree
Rating3.5 (27K ratings)4.9 (2.8M ratings) — better
Positive reviews37.7% of reviews57.6% of reviews — better
Number of ratings27K2.8M — better
Update frequencyEvery 4 weeksFortnightly — better
AdsYesNo — better
In-app purchasesNoNo
Monetization—Free with in-app purchases
DevicesiPhone, iPod, Apple Watch — betteriPhone, iPod
Requires iOS12.0 — better13.0
Further details — not scored
Size337 MB95 MB
Age rating4+17+
DeveloperE-surfing Pay Co.,Ltd.Fuzhou Qifu Online Microcredit Co., Ltd

Customer experience

翼支付

All ratings103 ratings
Positive17.5%
Neutral9.7%
Negative72.8%
Written reviews61 reviews
Positive37.7%
Neutral4.9%
Negative57.4%

奇富借条(原360借条)

All ratings590 ratings
Positive90.0%
Neutral0.8%
Negative9.2%
Written reviews85 reviews
Positive57.6%
Neutral0.0%
Negative42.4%

Bugs and requests

翼支付

Not enough reviews yet to summarise bugs or requests.

奇富借条(原360借条)

Reported bugs

2 issues
  • Unreliable loan disbursement
  • Difficulties with account cancellation

Requested features

3 requests
  • Improve approval rate
  • Provide more transparent pricing
  • Offer better customer support

In-app purchases

None

翼支付

No in-app purchases

None

奇富借条(原360借条)

No in-app purchases

Questions

Is 翼支付 free?
翼支付 is free to download, with no in-app purchases.
Is 奇富借条(原360借条) free?
奇富借条(原360借条) is free to download, with no in-app purchases.
Which has better reviews, 翼支付 or 奇富借条(原360借条)?
奇富借条(原360借条) is rated higher. 翼支付 averages 3.5 out of 5 from 27K ratings, while 奇富借条(原360借条) averages 4.9 from 2.8M ratings.
Do 翼支付 or 奇富借条(原360借条) have ads?
翼支付 shows ads; 奇富借条(原360借条) does not.
Which is updated more often, 翼支付 or 奇富借条(原360借条)?
翼支付 ships an update every 4 weeks, and 奇富借条(原360借条) fortnightly. Most recently, 翼支付 was updated on September 27, 2026 and 奇富借条(原360借条) on September 27, 2026.

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