星图金融 vs 融360
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
星图金融
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星图金融（原苏宁金融）作为一款集贷款、理财、支付、保险、便民生活服务于一体的综合性平台，致力于为普通用户、企业商户、持牌金融机构提供全方位、一体化的综合金融服务。在这里，你可以： 【轻松借钱】 额度高至20万，线上申请，审核快至20秒 年化利率4.8%至24%（单利），领券至高免息30天 【稳健理财】 持牌专业金融平台，优质金融机构深度合作 精选理财、基金、保险等优质产品，助力财富增值 【便民生活】 生活大小事，一站全掌握！地铁5折起，话费折扣多；秒还信用卡、灵活转账，让生活更省心，让支付更便捷！ 秒还信用卡：0手续费，天天打卡必得6元信用卡还款金 积分抵话费：积分当钱花，直抵话费！额外可得5元话费券 【精彩活动】 天天领现金：做任务领金币，无门槛随时提现，连玩30天必得10元 积分当钱花：签到赚积分，1积分起兑大牌，爆款单品包邮到家 【联系我们】 在您使用过程中遇到任何问题，可联系客服热线95177。 温馨提示：贷款实际额度、利率以系统审批为准，贷款有风险，请根据个人能力合理借贷，避免逾期。营销活动具体细则以APP内活动规则为准，产品历史业绩仅供参考，市场有风险，投资需谨慎。
融360
This platform helps users find and compare financial products like loans and credit cards. It offers personalized recommendations based on user needs and provides financial education resources. Loans are sourced from regulated institutions with flexible repayment options.
- Loan amount up to 200,000 CNY
- Low annual interest rates (7.2%-24%)
- Flexible repayment options (6, 12, 24 months)
- Loans from regulated financial institutions
- Financial education and industry reports
- AI-powered product matching
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融360(www.rong360.com)成立于2011年10月，以“让金融更简单，成为每个人的金融伙伴”为使命与愿景。2017年11月16日，融360旗下简普科技在美国成功上市。 【产品特点】 1、贷款额度：最高额度20万元。 2、安全借贷：贷款资金由正规持牌金融机构提供。 3、利率优势：贷款年化利率 7.2%-24%（以审核为准）。 4、还款灵活：可根据实际需求灵活选择不同还款方式（可分6期，12期，24期等还款方式）。 5、服务优质：我们深知您的难和急。暖心的服务是我们理应为您真情奉献的。 融360平台通过大数据分析、人工智能和机器学习技术，为个人消费者、小微企业、个体工商户提供金融产品的搜索、匹配、推荐服务。此外，融360还免费为用户提供金融教育、行业报告等内容服务。 【温馨提示】 不同产品通过率、贷款额度、贷款利率、放款时间差异较大,具体以金融机构实际审批放款为准； 贷款有风险、借款需谨慎，请依据个人能力合理贷款，理性消费，避免逾期 联系我们 【官方网站】http://m.rong360.com 【官方微信公众号】融360 【客服电话】10100360或4008-905-360
Screenshots
Verdict
The clearest difference is ads: 星图金融 at none against 融360's shown. 星图金融 also leads on ratings volume (128K vs 41) and rating (4.7 vs 4.4). 融360's advantage is review sentiment (88% vs 68%). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
星图金融 holds the better App Store score, 4.7 against 4.4. That said, the two scores are not equally well evidenced: 星图金融 has 128K ratings behind it against 41, so its average is the more settled of the two. Written reviews complicate that: 68% of 星图金融's written reviews are positive against 88% of 融360's, so the app with the better star average is not the one people write more warmly about.
星图金融 ships an update monthly, 融360 every 6 weeks. The most recent releases landed on October 13, 2026 and October 12, 2026 respectively.
| Parameter | 星图金融 | 融360 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (128K ratings) — better | 4.4 (41 ratings) |
| Positive reviews | 67.6% of reviews | 87.9% of reviews — better |
| Number of ratings | 128K — better | 41 |
| Update frequency | Monthly — better | Every 6 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | — | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 119 MB | 104 MB |
| Age rating | 17+ | 17+ |
| Developer | Shanghai STAR ATLAS Financial Services Group Co., Ltd. | 融360 |
Customer experience
星图金融
融360
In-app purchases
星图金融
No in-app purchases
融360
No in-app purchases
