考拉易分期 vs 360信用钱包
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
考拉易分期
This app offers fast, low-interest loans for individuals and small businesses. It provides unsecured, pure credit loans with quick disbursement, up to 200,000 yuan, and a convenient online application process.
- Unsecured, pure credit loans
- Fast disbursement, as quick as 15 seconds
- Loan amounts up to 200,000 yuan
- Online application process
- Personalized loan products
- Secure and compliant financial institution
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【关键时刻、拉你一把】急用钱就考拉易分期。无抵押、纯信用借款；极速放款、快至15秒到账，最高可申请20万！纯线上申请，操作方便； 【产品介绍】 （1）工薪贷：面向打工人的贷款产品，最高额度10万元！极速审核，审批通过后最快1分钟放款！关注“考拉金科”微信公众号，就可实现申请、查询、还款等多种操作。 （2）生意贷：面向小微企业主贷款产品，最高额度20万元，审批通过后最快15秒到账！经营周转就选生意贷！ 产品特点： 针对不同人士提供个性化产品，安全合规的老牌金融机构，产品额度更新快，定期提额以满足你不同场景下的需要。
360信用钱包
This financial technology platform offers personal credit assessment and consumer finance services. It provides installment purchases and loans, aiming to enhance users' quality of life through convenient and reliable installment consumption experiences. The service leverages advanced technologies to evaluate individual creditworthiness.
- Personal credit assessment
- Installment purchases
- Cash loans
- Consumer finance
- Big data technology
- Machine learning
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产品优势： - 360信用钱包是美股上市公司奇富科技旗下的金融科技平台。 - 通过云计算、机器学习、大数据等技术客观评估个人信用，致力于为用户打造专业的消费金融科技平台。平台亦会提供分期购，分期借等多种现金消费形式，旨在向用户提供正规、便捷、省心的分期消费体验，提升用户的消费生活品质。 - 先消费后还款，分期立享所爱 - 费率透明：年化利率(单利)7.2%-24%（以审核为准）； 温馨提示： - 客服/投诉热线：400-6030360（周一至周日：8:00 - 24:00） - 贷款额度、利率，放款时间以实际审核为准; - 福利活动仅抵扣部分利息，详细优惠方式以APP内活动规则为准； (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) - 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。
Screenshots
Verdict
The clearest difference is review sentiment: 360信用钱包 at 86% against 考拉易分期's 30%. 360信用钱包 also leads on update cadence (every 3 weeks vs every 2 months) and iOS requirement (13.0 vs 15.6). 考拉易分期's advantage is rating (4.2 vs 1.0). On price, ratings volume, ads and in-app purchases 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.
考拉易分期 holds the better App Store score, 4.2 against 1.0. Both are backed by a comparable volume of ratings — 5 and 6 respectively. Written reviews complicate that: 30% of 考拉易分期's written reviews are positive against 86% of 360信用钱包's, so the app with the better star average is not the one people write more warmly about.
考拉易分期 ships an update every 2 months, 360信用钱包 every 3 weeks. The most recent releases landed on October 10, 2026 and October 24, 2026 respectively.
| Parameter | 考拉易分期 | 360信用钱包 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (5 ratings) — better | 1.0 (6 ratings) |
| Positive reviews | 30.0% of reviews | 86.4% of reviews — better |
| Number of ratings | 5 | 6 — better |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 76 MB | 85 MB |
| Age rating | 4+ | 17+ |
| Developer | Lakala Network Technology Co.,Ltd. | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
考拉易分期
360信用钱包
In-app purchases
考拉易分期
No in-app purchases
360信用钱包
No in-app purchases
