# 星图金融 vs 奇富借条(原360借条)

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.

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.

## The numbers

| Metric | 星图金融 | 奇富借条(原360借条) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (128K ratings)](https://appshunter.io/ios/app/id609358564/reviews) | **[4.9 (2.8M ratings)](https://appshunter.io/ios/app/360/id1178856715/reviews)** |
| Number of ratings | 128K | **2.8M** |
| Positive reviews | **67.6% of reviews** | 57.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | — | Free with in-app purchases |
| Size | 119 MB | 96 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Shanghai STAR ATLAS Financial Services Group Co., Ltd.](https://appshunter.io/developer/1520664872) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## What reviewers say

### 星图金融

[App page](https://appshunter.io/ios/app/id609358564)

**Features:** Vision Pro support

**In-app purchases:** none


### 奇富借条(原360借条)

[App page](https://appshunter.io/ios/app/360/id1178856715)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 💳 Convenient for financial needs
- 👍 Simple and user-friendly
- 🙏 Helpful in emergencies

**What reviewers complain about**

- 🐛 Crashes and freezes
- 💰 High interest rates
- 🔒 Privacy and security concerns
- 📞 Aggressive marketing and constant calls

**Reported bugs**

- Unreliable loan disbursement
- Difficulties with account cancellation

**Requested features**

- Improve approval rate
- Provide more transparent pricing
- Offer better customer support


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*