# 京东金融 vs 奇富借条(原360借条)

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.

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.

## The numbers

| Metric | 京东金融 | 奇富借条(原360借条) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (270K ratings)](https://appshunter.io/ios/app/id895682747/reviews) | **[4.9 (2.8M ratings)](https://appshunter.io/ios/app/360/id1178856715/reviews)** |
| Number of ratings | 270K | **2.8M** |
| Positive reviews | 17.2% of reviews | **57.6% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 186 MB | 96 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Beijing Jingdong Financial Technology Holdings Co., Ltd.](https://appshunter.io/developer/1220352269) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## What reviewers say

### 京东金融

[App page](https://appshunter.io/ios/app/id895682747)

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:** Apple Wallet, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🤖 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

**Reported bugs**

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

**Requested features**

- 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)

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