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
Read full description

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 monthly, 奇富借条(原360借条) fortnightly. Both last shipped on October 22, 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 frequencyMonthlyFortnightly — better
AdsYesNo — better
In-app purchasesNoNo
Monetization—Free with in-app purchases
DevicesiPhone, iPod, Apple Watch — betteriPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size312 MB96 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%

User reviews

翼支付

From 27K App Store ratings

What we love

  • 💰 Good discounts and offers
  • 💳 Convenient for bill payments
  • 🛒 Supports various e-commerce platforms
  • 👍 Useful for campus card top-ups
  • 🎁 Frequent promotions and cashback

Room to improve

  • 😠 Annoying pop-up ads
  • 📱 Inconvenient custom keyboard
  • 🔒 Privacy concerns (data collection)
  • 💩 Generally poor user experience
  • 💸 Unnecessary or useless benefits offered

奇富借条(原360借条)

From 2.8M App Store ratings

What we love

  • 🚀 Fast and efficient
  • 💳 Convenient for financial needs
  • 👍 Simple and user-friendly
  • 🙏 Helpful in emergencies

Room to improve

  • 🐛 Crashes and freezes
  • 💰 High interest rates
  • 🔒 Privacy and security concerns
  • 📞 Aggressive marketing and constant calls

Bugs and requests

翼支付

Reported bugs

17 issues
  • App crashes frequently (15.1 system)
  • App crashes constantly
  • App cannot be opened
  • App freezes on login screen
  • App freezes when using customer service interface
Show 12 more
  • Cannot set fingerprint login
  • Fingerprint verification fails
  • Cannot bind JD account
  • Cannot input password on iOS
  • App crashes on 6 Plus after update
  • Cannot pay
  • Login gets stuck
  • App is not useful
  • System messages cannot be deleted
  • Keyboard height issues
  • Cannot input password
  • App freezes on homepage

Requested features

9 requests
  • Optimize app size and performance
  • Upgrade connection protocols to TLS1.3
  • Allow system keyboard usage
  • Improve login logic (face ID > fingerprint > gesture)
  • Support fingerprint login
Show 4 more
  • Add support for ICBC savings cards
  • Support credit card top-ups
  • Support market payments
  • Redesign app icon

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 monthly, and 奇富借条(原360借条) fortnightly. Most recently, 翼支付 was updated on October 22, 2026 and 奇富借条(原360借条) on October 22, 2026.

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