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.
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。
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.
- 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
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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
Verdict
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
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 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.
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.
| Parameter | 分期乐 | 奇富借条(原360借条) |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (238 ratings) | 4.9 (2.8M ratings) — better |
| Positive reviews | 39.5% of reviews | 57.6% of reviews — better |
| Number of ratings | 238 | 2.8M — better |
| Update frequency | Monthly | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 245 MB | 96 MB |
| Age rating | 17+ | 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
奇富借条(原360借条)
User reviews
分期乐
From 238 App Store ratingsWhat 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 ratingsWhat 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 moreShow fewer
- 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 moreShow fewer
- 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
分期乐
No in-app purchases
奇富借条(原360借条)
No in-app purchases








