# 考拉易分期 vs 360信用钱包

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.

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.

## The numbers

| Metric | 考拉易分期 | 360信用钱包 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (5 ratings)](https://appshunter.io/ios/app/id523367437/reviews)** | [1.0 (6 ratings)](https://appshunter.io/ios/app/360/id1480502565/reviews) |
| Number of ratings | 5 | **6** |
| Positive reviews | 30.0% of reviews | **86.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 76 MB | 85 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Lakala Network Technology Co.,Ltd.](https://appshunter.io/developer/1188190203) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## What reviewers say

### 考拉易分期

[App page](https://appshunter.io/ios/app/id523367437)

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.

**Highlights:** 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

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

**In-app purchases:** none


### 360信用钱包

[App page](https://appshunter.io/ios/app/360/id1480502565)

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.

**Highlights:** Personal credit assessment, Installment purchases, Cash loans, Consumer finance, Big data technology, Machine learning

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 考拉易分期 free?

考拉易分期 is free to download, with no in-app purchases.

### Is 360信用钱包 free?

360信用钱包 is free to download, with no in-app purchases.

### Which has better reviews, 考拉易分期 or 360信用钱包?

考拉易分期 is rated higher. 考拉易分期 averages 4.2 out of 5 from 5 ratings, while 360信用钱包 averages 1.0 from 6 ratings.

### Do 考拉易分期 or 360信用钱包 have ads?

Neither 考拉易分期 nor 360信用钱包 shows ads.

### Which is updated more often, 考拉易分期 or 360信用钱包?

考拉易分期 ships an update every 2 months, and 360信用钱包 every 3 weeks. Most recently, 考拉易分期 was updated on October 10, 2026 and 360信用钱包 on October 24, 2026.

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