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.
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.
- Wealth management (funds, gold)
- Insurance (medical, accident, life)
- Borrowing services (loans, credit)
- Lifestyle services and coupons
- Food delivery discounts
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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
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 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
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 4.4. 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.
Both ship on a similar rhythm, roughly fortnightly. Both last shipped on October 29, 2026.
| Parameter | 京东金融 | 奇富借条(原360借条) |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (270K ratings) | 4.9 (2.8M ratings) — better |
| Positive reviews | 17.2% of reviews | 57.6% of reviews — better |
| Number of ratings | 270K | 2.8M — better |
| Update frequency | Fortnightly | Fortnightly |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 186 MB | 96 MB |
| Age rating | 17+ | 17+ |
| Developer | Beijing Jingdong Financial Technology Holdings Co., Ltd. | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
京东金融
奇富借条(原360借条)
User reviews
京东金融
From 270K App Store ratingsWhat 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 ratingsWhat 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
京东金融
No in-app purchases
奇富借条(原360借条)
No in-app purchases









