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.
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。
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
星图金融 ships an update monthly, 奇富借条(原360借条) fortnightly. Both last shipped on October 13, 2026.
| Parameter | 星图金融 | 奇富借条(原360借条) |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (128K ratings) | 4.9 (2.8M ratings) — better |
| Positive reviews | 67.6% of reviews — better | 57.6% of reviews |
| Number of ratings | 128K | 2.8M — better |
| Update frequency | Monthly | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 119 MB | 96 MB |
| Age rating | 17+ | 17+ |
| Developer | Shanghai STAR ATLAS Financial Services Group Co., Ltd. | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
星图金融
奇富借条(原360借条)
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
星图金融
No in-app purchases
奇富借条(原360借条)
No in-app purchases









