Comparison

星图金融 vs 奇富借条(原360借条)

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

星图金融

Features
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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。

About

奇富借条(原360借条)

This app provides mobile credit loans with high limits and transparent fees. It offers flexible repayment options, a fully online application process with facial recognition, and secure borrowing. New users can benefit from an interest-free offer.

Highlights
  • High loan limits up to 200,000 yuan
  • Transparent interest and fees
  • Flexible repayment options (3, 6, 12, 24 months)
  • Fully online application with facial recognition
  • Secure borrowing with advanced technology
  • New user interest-free gift package
Features
Read full description

奇富借条(原360借条),是奇富科技旗下信贷科技服务品牌。 【产品特点】 1、手机贷款额度: 审批后最高额度20万元; 2、贷款息费透明: 年化利率(单利)7.2%-24%(以审核为准); 3、手机贷款更便捷: 贷款全程线上申请,免抵押贷款;使用手机号+身份信息等材料即可申请;奇富借条创新“刷脸”识别,免上门,免纸质材料; 4、安全借贷: 奇富科技旗下产品,具有先进的网络安全技术,为您借钱保驾护航; 5、新人免息规则: 活动开始日期2022年1月1日结束日期2026年12月31日 奇富借条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; 注:具体券使用规则获取,请以app具体活动页面规则为准! 微信关注“360借条-奇富借条”公众号,第一时间获取奇富借条最新消息! 无惧目标,奇富借条为你撑腰! PS: 1.贷款额度、利率,放款时间以实际审核为准; 2.优惠活动仅免除部分利息,详细免息方式以APP内活动规则为准; 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; 4.投资有风险,选择需谨慎。

Screenshots

星图金融4 screens
奇富借条(原360借条)4 screens

Verdict

The call

The clearest difference is ratings volume: 奇富借条(原360借条) at 2.8M against 星图金融's 128K. 星图金融's advantage is review sentiment (68% vs 58%). On price, rating, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

奇富借条(原360借条) holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: 奇富借条(原360借条) has 2.8M ratings behind it against 128K, 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 58% of 奇富借条(原360借条)'s, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

星图金融 ships an update monthly, 奇富借条(原360借条) fortnightly. Both last shipped on October 13, 2026.

Scorecard2 real differences · 8 level
星图金融 versus 奇富借条(原360借条): the parameters behind the verdict, then further details
Parameter星图金融奇富借条(原360借条)
PriceFreeFree
Rating4.7 (128K ratings)4.9 (2.8M ratings) — better
Positive reviews67.6% of reviews — better57.6% of reviews
Number of ratings128K2.8M — better
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size119 MB96 MB
Age rating17+17+
DeveloperShanghai STAR ATLAS Financial Services Group Co., Ltd.Fuzhou Qifu Online Microcredit Co., Ltd

Customer experience

星图金融

All ratings141 ratings
Positive83.0%
Neutral2.8%
Negative14.2%
Written reviews34 reviews
Positive67.6%
Neutral2.9%
Negative29.4%

奇富借条(原360借条)

All ratings590 ratings
Positive90.0%
Neutral0.8%
Negative9.2%
Written reviews85 reviews
Positive57.6%
Neutral0.0%
Negative42.4%

Bugs and requests

星图金融

Not enough reviews yet to summarise bugs or requests.

奇富借条(原360借条)

Reported bugs

2 issues
  • Unreliable loan disbursement
  • Difficulties with account cancellation

Requested features

3 requests
  • Improve approval rate
  • Provide more transparent pricing
  • Offer better customer support

In-app purchases

None

星图金融

No in-app purchases

None

奇富借条(原360借条)

No in-app purchases

Questions

Is 星图金融 free?
星图金融 is free to download, with no in-app purchases.
Is 奇富借条(原360借条) free?
奇富借条(原360借条) is free to download, with no in-app purchases.
Which has better reviews, 星图金融 or 奇富借条(原360借条)?
奇富借条(原360借条) is rated higher. 星图金融 averages 4.7 out of 5 from 128K ratings, while 奇富借条(原360借条) averages 4.9 from 2.8M ratings.
Do 星图金融 or 奇富借条(原360借条) have ads?
Neither 星图金融 nor 奇富借条(原360借条) shows ads.
Which is updated more often, 星图金融 or 奇富借条(原360借条)?
星图金融 ships an update monthly, and 奇富借条(原360借条) fortnightly. Most recently, 星图金融 was updated on October 13, 2026 and 奇富借条(原360借条) on October 13, 2026.

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