Comparison

分期乐 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

分期乐

Features
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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。

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
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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

分期乐4 screens
360你财富4 screens

Verdict

The call

The clearest difference is rating: 360你财富 at 4.4 against 分期乐's 2.6. 分期乐's advantage is ratings volume (238 vs 9). 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

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

360你财富 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 238 ratings behind it against 9, so its average is the more settled of the two.

UpkeepUpdate frequency

分期乐 ships an update monthly, 360你财富 every 2 months. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
分期乐 versus 360你财富: the parameters behind the verdict, then further details
Parameter分期乐360你财富
PriceFreeFree
Rating2.6 (238 ratings)4.4 (9 ratings) — better
Positive reviews39.5% of reviews—
Number of ratings238 — better9
Update frequencyMonthly — betterEvery 2 months
AdsYesYes
In-app purchasesNoNo
Monetization—Ad-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size245 MB89 MB
Age rating17+4+
Developer深圳市分期乐网络科技有限公司北京你财富计算机科技有限公司

Customer experience

分期乐

All ratings238 ratings
Positive39.5%
Neutral1.7%
Negative58.8%
Written reviews119 reviews
Positive39.5%
Neutral1.7%
Negative58.8%

360你财富

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

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
Show 2 more
  • 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
Show 2 more
  • Ability to cancel unauthorized accounts
  • More humane collection practices

360你财富

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

分期乐

No in-app purchases

None

360你财富

No in-app purchases

Questions

Is 分期乐 free?
分期乐 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, 分期乐 or 360你财富?
360你财富 is rated higher. 分期乐 averages 2.6 out of 5 from 238 ratings, while 360你财富 averages 4.4 from 9 ratings.
Do 分期乐 or 360你财富 have ads?
Both 分期乐 and 360你财富 show ads.
Which is updated more often, 分期乐 or 360你财富?
分期乐 ships an update monthly, and 360你财富 every 2 months. Most recently, 分期乐 was updated on October 26, 2026 and 360你财富 on October 24, 2026.

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