# 考拉易分期 vs 360分期贷

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.

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.

## The numbers

| Metric | 考拉易分期 | 360分期贷 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (5 ratings)](https://appshunter.io/ios/app/id523367437/reviews)** | [1.5 (2 ratings)](https://appshunter.io/ios/app/360/id1505284951/reviews) |
| Number of ratings | **5** | 2 |
| Positive reviews | 30.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 76 MB | 81 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分期贷

[App page](https://appshunter.io/ios/app/360/id1505284951)

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.

**Highlights:** Consumer installment loans, Flexible repayment plans, Competitive interest rates, Secure transactions, Quality assurance for purchases, Online application and approval

**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分期贷 free?

360分期贷 is free to download, with no in-app purchases.

### Which has better reviews, 考拉易分期 or 360分期贷?

考拉易分期 is rated higher. 考拉易分期 averages 4.2 out of 5 from 5 ratings, while 360分期贷 averages 1.5 from 2 ratings.

### Do 考拉易分期 or 360分期贷 have ads?

360分期贷 shows ads; 考拉易分期 does not.

### Which is updated more often, 考拉易分期 or 360分期贷?

考拉易分期 ships an update every 2 months, and 360分期贷 every 3 weeks. Most recently, 考拉易分期 was updated on October 10, 2026 and 360分期贷 on October 21, 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.*