Comparison

分期乐 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.

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

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.

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
Read full description

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

分期乐4 screens
奇富借条(原360借条)4 screens

Verdict

The call

The clearest difference is rating: 奇富借条(原360借条) at 4.9 against 分期乐's 2.6. 奇富借条(原360借条) also leads on ads (none vs shown) and ratings volume (2.8M vs 238). On price, in-app purchases, device support and iOS requirement 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

奇富借条(原360借条) holds the better App Store score, 4.9 against 2.6. 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 238, 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 58% of 奇富借条(原360借条)'s.

UpkeepUpdate frequency

分期乐 ships an update monthly, 奇富借条(原360借条) fortnightly. The most recent releases landed on October 26, 2026 and October 28, 2026 respectively.

Scorecard5 real differences · 5 level
分期乐 versus 奇富借条(原360借条): the parameters behind the verdict, then further details
Parameter分期乐奇富借条(原360借条)
PriceFreeFree
Rating2.6 (238 ratings)4.9 (2.8M ratings) — better
Positive reviews39.5% of reviews57.6% of reviews — better
Number of ratings2382.8M — better
Update frequencyMonthlyFortnightly — better
AdsYesNo — better
In-app purchasesNoNo
Monetization—Free with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size245 MB96 MB
Age rating17+17+
Developer深圳市分期乐网络科技有限公司Fuzhou Qifu Online Microcredit Co., Ltd

Customer experience

分期乐

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

奇富借条(原360借条)

All ratings590 ratings
Positive90.0%
Neutral0.8%
Negative9.2%
Written reviews85 reviews
Positive57.6%
Neutral0.0%
Negative42.4%

User reviews

分期乐

From 238 App Store ratings

What we love

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

Room to improve

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

奇富借条(原360借条)

From 2.8M App Store ratings

What 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

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

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

None

分期乐

No in-app purchases

None

奇富借条(原360借条)

No in-app purchases

Questions

Is 分期乐 free?
分期乐 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, 分期乐 or 奇富借条(原360借条)?
奇富借条(原360借条) is rated higher. 分期乐 averages 2.6 out of 5 from 238 ratings, while 奇富借条(原360借条) averages 4.9 from 2.8M ratings.
Do 分期乐 or 奇富借条(原360借条) have ads?
分期乐 shows ads; 奇富借条(原360借条) does not.
Which is updated more often, 分期乐 or 奇富借条(原360借条)?
分期乐 ships an update monthly, and 奇富借条(原360借条) fortnightly. Most recently, 分期乐 was updated on October 26, 2026 and 奇富借条(原360借条) on October 28, 2026.

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