Comparison

京东金融 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

京东金融

This app offers a comprehensive suite of personal financial services, including wealth management, insurance options, and borrowing solutions. Users can also access lifestyle benefits and discounts.

Highlights
  • Wealth management (funds, gold)
  • Insurance (medical, accident, life)
  • Borrowing services (loans, credit)
  • Lifestyle services and coupons
  • Food delivery discounts
Features
Read full description

京东金融以智能化、内容化为核心能力,与银行、保险公司、基金公司等金融机构,共同为用户提供专业、安全的个人金融服务。 在这里你可以: 1、 理财:一站式投资黄金,支持从购买、盯盘到回收全链路黄金投资。基金申赎便捷、更便宜,京东Plus会员免申购费,支持50万快速赎回。 2、 借贷:购物用京东白条,先消费后付款,分期免息更轻松;急用钱找京东金条借款,大平台、额度高、利息低、免息长(年化利率区间3.5%-24%) 3、保险:医疗险、意外险、人寿险、重疾险、车险等,用心严选好保险,全方位守护家人 4、生活服务:每日来省钱频道领福利,使用积分兑换白条还款券、支付券、话费券、京东外卖券 【风险提示】 借款额度、分期期数及具体利率以实际审核为准,请根据需求合理借贷,理性消费,避免逾期 温馨提示:投资有风险,入资需谨慎,产品历史业绩情况仅供参考

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

京东金融4 screens
奇富借条(原360借条)4 screens

Verdict

The call

The clearest difference is review sentiment: 奇富借条(原360借条) at 58% against 京东金融's 17%. 奇富借条(原360借条) also leads on ads (none vs shown) and rating (4.9 vs 4.4). 京东金融's advantage is device support (4 vs 2). On price, update cadence, in-app purchases and monetization model 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 4.4. 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 270K, so its average is the more settled of the two. Written reviews point the same way: 17% of 京东金融's written reviews are positive against 58% of 奇富借条(原360借条)'s.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. Both last shipped on October 29, 2026.

Scorecard5 real differences · 5 level
京东金融 versus 奇富借条(原360借条): the parameters behind the verdict, then further details
Parameter京东金融奇富借条(原360借条)
PriceFreeFree
Rating4.4 (270K ratings)4.9 (2.8M ratings) — better
Positive reviews17.2% of reviews57.6% of reviews — better
Number of ratings270K2.8M — better
Update frequencyFortnightlyFortnightly
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size186 MB96 MB
Age rating17+17+
DeveloperBeijing Jingdong Financial Technology Holdings Co., Ltd.Fuzhou Qifu Online Microcredit Co., Ltd

Customer experience

京东金融

All ratings478 ratings
Positive45.0%
Neutral2.9%
Negative52.1%
Written reviews157 reviews
Positive17.2%
Neutral1.3%
Negative81.5%

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%

User reviews

京东金融

From 270K App Store ratings

What we love

  • 👍 Straightforward and easy to use
  • 💰 Offers good financial products and services
  • 🚀 Efficient and fast transactions

Room to improve

  • 🤖 Excessive and intrusive notifications
  • 💸 High fees and interest rates
  • 🔒 Concerns about privacy and data security
  • 🐛 Buggy and unreliable app performance
  • 🤬 Aggressive and unethical business practices

奇富借条(原360借条)

From 2.8M App Store ratings

What we love

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

Room to improve

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

Bugs and requests

京东金融

Reported bugs

3 issues
  • Frequent app crashes and freezes
  • Login and authentication issues
  • Inaccurate or missing account information

Requested features

3 requests
  • Improved transparency on fees and interest rates
  • Better customer support and responsiveness
  • More user-friendly interface and navigation

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

京东金融

No in-app purchases

None

奇富借条(原360借条)

No in-app purchases

Questions

Is 京东金融 free?
京东金融 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, 京东金融 or 奇富借条(原360借条)?
奇富借条(原360借条) is rated higher. 京东金融 averages 4.4 out of 5 from 270K ratings, while 奇富借条(原360借条) averages 4.9 from 2.8M ratings.
Do 京东金融 or 奇富借条(原360借条) have ads?
京东金融 shows ads; 奇富借条(原360借条) does not.
Which is updated more often, 京东金融 or 奇富借条(原360借条)?
京东金融 ships an update fortnightly, and 奇富借条(原360借条) fortnightly. Most recently, 京东金融 was updated on October 29, 2026 and 奇富借条(原360借条) on October 29, 2026.

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