考拉易分期 vs 360分期贷
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分期贷
This platform offers consumer installment loans with flexible repayment plans and competitive interest rates. It aims to provide quick financial solutions for users, supporting their spending needs and contributing to the real economy. Features include secure transactions and quality assurance for purchases.
- Consumer installment loans
- Flexible repayment plans
- Competitive interest rates
- Secure transactions
- Quality assurance for purchases
- Online application and approval
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360分期贷是奇富科技旗下品牌，您身边的消费分期专家。帮助更多的借款用户获得更优质的服务而推出的消费分期平台。利率合规、还款计划灵活，为很多急需借款的用户解决了燃眉之急，普惠每一个奋斗者，为实体经济助力。 ——产品特色—— 1. 分期购物：国行正品，品质保证 2. 优质体验：分期期限灵活，可支持信用卡等多种方式 3. 安全保障：银行级风控团队保驾护航 ——如何使用—— 1. 在线填写资料，申请额度 2. 快速审批，获得额度 3. 分期借款，多种期限选择慢慢还 ——温馨提示—— 1. 客服/投诉热线：400-6030360（周一至周日：8:00 - 24:00） 2. 贷款额度、利率，放款时间以实际审核为准; 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。
Screenshots
Verdict
The clearest difference is review sentiment: 360分期贷 at 100% against 考拉易分期's 30%. 360分期贷 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 1.5) and ads (none vs shown). On price, ratings volume, 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
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 1.5. Both are backed by a comparable volume of ratings — 5 and 2 respectively. Written reviews complicate that: 30% of 考拉易分期's written reviews are positive against 100% of 360分期贷'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分期贷 every 3 weeks. The most recent releases landed on October 10, 2026 and October 21, 2026 respectively.
| Parameter | 考拉易分期 | 360分期贷 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (5 ratings) — better | 1.5 (2 ratings) |
| Positive reviews | 30.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 5 — better | 2 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 76 MB | 81 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分期贷
In-app purchases
考拉易分期
No in-app purchases
360分期贷
No in-app purchases
