分期乐 vs 融360
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
分期乐
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上市公司,正规平台,最高可借20万额度 新人最长可享30天免息,在线申请,智能审批 【平台介绍】 分期乐是乐信旗下倡导年轻人有度消费的分期消费平台,以更懂年轻人、更有安全保障、更有温度的产品体验和金融科技服务,让年轻人可以享受安全、稳定、便捷的现金借钱、分期购物和分期还款的金融服务,已有超过1.5亿用户选择分期乐。 【产品优势】 纳斯达克上市公司(股票代码:LX)旗下品质分期购物商城和分期借贷金融平台; 贷款资金由正规金融持牌放款机构提供; 利用AI技术和大数据风控技术给用户提供安全靠谱的分期借贷平台; 息费透明,期数灵活的分期借款平台; 是超过1.5亿用户值得信赖的借钱平台。 【主要特色】 安心借款:费用透明,借钱更放心; 安全保障:银行级风控团队为您的账户安全保驾护航; 优质体验:支持线上贷款申请,方便快捷,借钱分期期限灵活; 分期购物:国行正品,品质保证,分期还款更便捷。 【贷款利率说明】 “乐花借钱”年化利率区间8-24%,因个人资质不同,最终以平台实际审批为准 以上应用截图仅为示例,贷款额度、利率、放款时间、通过率等以实际审批为准 贷款投资有风险,借款需谨慎;请根据个人能力合理贷款,理性消费,避免逾期。
融360
This platform helps users find and compare financial products like loans and credit cards. It offers personalized recommendations based on user needs and provides financial education resources. Loans are sourced from regulated institutions with flexible repayment options.
- Loan amount up to 200,000 CNY
- Low annual interest rates (7.2%-24%)
- Flexible repayment options (6, 12, 24 months)
- Loans from regulated financial institutions
- Financial education and industry reports
- AI-powered product matching
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融360(www.rong360.com)成立于2011年10月,以“让金融更简单,成为每个人的金融伙伴”为使命与愿景。2017年11月16日,融360旗下简普科技在美国成功上市。 【产品特点】 1、贷款额度:最高额度20万元。 2、安全借贷:贷款资金由正规持牌金融机构提供。 3、利率优势:贷款年化利率 7.2%-24%(以审核为准)。 4、还款灵活:可根据实际需求灵活选择不同还款方式(可分6期,12期,24期等还款方式)。 5、服务优质:我们深知您的难和急。暖心的服务是我们理应为您真情奉献的。 融360平台通过大数据分析、人工智能和机器学习技术,为个人消费者、小微企业、个体工商户提供金融产品的搜索、匹配、推荐服务。此外,融360还免费为用户提供金融教育、行业报告等内容服务。 【温馨提示】 不同产品通过率、贷款额度、贷款利率、放款时间差异较大,具体以金融机构实际审批放款为准; 贷款有风险、借款需谨慎,请依据个人能力合理贷款,理性消费,避免逾期 联系我们 【官方网站】http://m.rong360.com 【官方微信公众号】融360 【客服电话】10100360或4008-905-360
Screenshots
Verdict
The clearest difference is review sentiment: 融360 at 88% against 分期乐's 39%. 融360 also leads on rating (4.4 vs 2.6). 分期乐's advantage is ratings volume (234 vs 41). On price, update cadence, ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
融360 holds the better App Store score, 4.4 against 2.6. That said, the two scores are not equally well evidenced: 分期乐 has 234 ratings behind it against 41, so its average is the more settled of the two. Written reviews point the same way: 39% of 分期乐's written reviews are positive against 88% of 融360's.
分期乐 ships an update monthly, 融360 every 6 weeks. The most recent releases landed on September 23, 2026 and September 21, 2026 respectively.
| Parameter | 分期乐 | 融360 |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (234 ratings) | 4.4 (41 ratings) — better |
| Positive reviews | 39.0% of reviews | 87.9% of reviews — better |
| Number of ratings | 234 — better | 41 |
| Update frequency | Monthly — better | Every 6 weeks |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | — | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 245 MB | 104 MB |
| Age rating | 17+ | 17+ |
| Developer | 深圳市分期乐网络科技有限公司 | 融360 |
Customer experience
分期乐
融360
Bugs and requests
分期乐
Reported bugs
7 issues- App crashes (iOS)
- Unable to repay within the app/WeChat
- Blank repayment pages
- Forced updates
- Redirects to third-party loan apps
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- Unable to unbind bank cards
- Unauthorized bank account creation
Requested features
7 requests- Clearer billing and interest calculation
- Option for early repayment without penalties
- Improved customer service responsiveness
- More transparent loan terms
- User-friendly interface
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- Ability to cancel unauthorized accounts
- More humane collection practices
融360
Not enough reviews yet to summarise bugs or requests.
In-app purchases
分期乐
No in-app purchases
融360
No in-app purchases





