Comparison

向上金服 vs 360你财富

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

Head to head
About

向上金服

This platform connects lenders and borrowers, offering investment opportunities with varying interest rates and lock-up periods. It emphasizes security through big data credit checks and a multi-layered risk control system. New users can receive welcome bonuses and special investment packages.

Highlights
  • Online lending and borrowing services
  • Investment opportunities with varying rates
  • New user welcome bonuses
  • Big data credit assessment
  • Multi-layered risk control system
  • Information security level 3备案
Features
Read full description

【向上金服手机端介绍】 向上金服是由北京证大向上金融信息服务有限公司(简称:向上金服)推出的线上借贷及出借撮合服务平台,6年稳健运营,网贷之家头部平台,拥有“授权投标”、“主动投标”、“债权转让”等产品,上线6年以来已累计为近700余万用户获取利息超过10亿元! 【新手见面礼】 1、新用户注册即送18888元体验金+1000元新手出借礼包 2、出借新手产品满额立即返现,最高可返400元 【新手专享标】 锁定期15天,1元起投,平均出借利率6+6%,灵活投 锁定期30天,平均出借利率 6.5+3.5% 锁定期90天,平均出借利率 7+3.5% 锁定期180天,平均出借利率7.8+3.5% 【坚守合规,多重保障】 1、 以大数据征信严格进行借款人背调,建立多道安全风控体系,确保借款项目优中选优; 2、 一对多的资金借贷模式,借款人遍布不同行业、地区、年龄层,有效控制风险; 3、 凭借完善的风险管理体系及领先于行业的技术,通过了国家公安部监制信息安全等级保护三级安全备案; 【公司荣誉】 2013年 向上移动客户端作为早期互金类APP顺利登录Appstore; 2015年 荣获“中关村高薪技术企业”、CEO袁成龙在纽约受邀与巴菲特共进午餐; 2016年 交易额突破100亿元、品牌海报登陆纽约时代广场、受邀参加博鳌新金融论坛; 2017年 携手平安银行上线银行存管、成为互联网金融协会会员、接入中国支付清算协会互联网金融风险信息共享系统、CEO荣登《Forbes》品牌之声封面; 2018年 CEO受邀主持博鳌亚洲论坛分论坛、接入互联网金融协会信息披露系统、获得“高新技术企业”认证、荣获胡润新金融最具品牌价值企业殊荣、企业实缴注册资本增至1亿元、交易额突破480亿元。 客服专线:4000-688-166 官方微信:向上金服官方平台 新浪官方微博:向上金服

About

360你财富

This platform offers a range of financial products including bank deposits and fund investments. It provides options for flexible withdrawals, high interest rates, and a wide selection of funds with professional team support. Security and user account protection are emphasized.

Highlights
  • Bank deposit products
  • Fund investment options
  • Flexible withdrawals
  • High interest rates
  • Professional financial team
  • Account security
Features
Read full description

360你财富截至2019年5月,用户突破6000万。 360你财富是360金服旗下互联网金融平台。 【重磅福利】 1、精选银行存款产品,活期3.85%,投资新选择。 2、 基金申购费全场1折。 【产品介绍】 1、 银行存款:1元起投,精选多家银行产品,本金保障,灵活存取,利率高至5.3%。 2、 基金投资:千余款基金任挑选,组合策略稳健灵活,止盈提示更省心。 更多产品:网贷、券商、信用卡,邀您抢先体验。 【安心有保障】 1、360金服旗下互联网金融服务平台,千万用户的安心之选。 2、专业金融团队,严选优质资产。 3、秉承360安全基因,保障用户账户安全与信息安全。 【品牌荣耀】 1、2015年,你财富荣获《投资者报》 “互联网金融公司・投资者保护奖” 2、2016年,你财富获得《互联网周刊》2016年度互联网金融App称号。 3、2016年,你财富被21世纪经济报道评选为2016中国资产管理金贝奖 “2016最具人气理财产品”。 4、360你财富荣获凤凰网财经“2018年度最具品牌影响力奖项” 【联系方式】 服务热线:4000-360-000 (工作日8~21点 节假日9~18点) 官方网址:https://www.nicaifu.com 微信公众号:你财富 微信服务号:你财富小助手

Screenshots

向上金服4 screens
360你财富4 screens

Verdict

The call

The clearest difference is ads: 向上金服 at none against 360你财富's shown. 向上金服 also leads on rating (4.9 vs 4.4) and monetization model (free vs ad-supported). On price, ratings volume, update cadence and in-app purchases 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

向上金服 holds the better App Store score, 4.9 against 4.4. Both are backed by a comparable volume of ratings — 8 and 9 respectively.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 23, 2026 and November 1, 2026 respectively.

Scorecard4 real differences · 6 level
向上金服 versus 360你财富: the parameters behind the verdict, then further details
Parameter向上金服360你财富
PriceFreeFree
Rating4.9 (8 ratings) — better4.4 (9 ratings)
Positive reviews88.9% of reviews—
Number of ratings89 — better
Update frequencyEvery 2 monthsEvery 2 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS9.0 — better13.0
Further details — not scored
Size94 MB89 MB
Age rating17+4+
Developer北京证大向上金融信息服务有限公司北京你财富计算机科技有限公司

Customer experience

向上金服

All ratings8 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews9 reviews
Positive88.9%
Neutral0.0%
Negative11.1%

360你财富

All ratings9 ratings
Positive88.9%
Neutral0.0%
Negative11.1%

In-app purchases

None

向上金服

No in-app purchases

None

360你财富

No in-app purchases

Questions

Is 向上金服 free?
向上金服 is free to download, with no in-app purchases.
Is 360你财富 free?
360你财富 is free to download, with no in-app purchases.
Which has better reviews, 向上金服 or 360你财富?
向上金服 is rated higher. 向上金服 averages 4.9 out of 5 from 8 ratings, while 360你财富 averages 4.4 from 9 ratings.
Do 向上金服 or 360你财富 have ads?
360你财富 shows ads; 向上金服 does not.
Which is updated more often, 向上金服 or 360你财富?
向上金服 ships an update every 2 months, and 360你财富 every 2 months. Most recently, 向上金服 was updated on October 23, 2026 and 360你财富 on November 1, 2026.

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