# 分期乐 vs 360你财富

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | 分期乐 | 360你财富 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (238 ratings)](https://appshunter.io/ios/app/id906611031/reviews) | **[4.4 (9 ratings)](https://appshunter.io/ios/app/360/id1026789253/reviews)** |
| Number of ratings | **238** | 9 |
| Positive reviews | 39.5% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | — | Ad-supported |
| Size | 245 MB | 89 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [深圳市分期乐网络科技有限公司](https://appshunter.io/developer/897778999) | [北京你财富计算机科技有限公司](https://appshunter.io/developer/1116038167) |

## What reviewers say

### 分期乐

[App page](https://appshunter.io/ios/app/id906611031)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast disbursement
- 👍 Helps in emergencies
- 👍 Can be a last resort for funds

**What reviewers complain about**

- 💸 High interest rates (usury)
- 💸 Hidden fees and charges
- 💸 Unclear billing and statements
- 💸 Forced installment plans
- 💸 Inability to repay early without penalty

**Reported bugs**

- App crashes (iOS)
- Unable to repay within the app/WeChat
- Blank repayment pages
- Forced updates
- Redirects to third-party loan apps

**Requested features**

- Clearer billing and interest calculation
- Option for early repayment without penalties
- Improved customer service responsiveness
- More transparent loan terms
- User-friendly interface


### 360你财富

[App page](https://appshunter.io/ios/app/360/id1026789253)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


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