# 分期乐 vs 奇富借条(原360借条)

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.

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.

## The numbers

| Metric | 分期乐 | 奇富借条(原360借条) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (238 ratings)](https://appshunter.io/ios/app/id906611031/reviews) | **[4.9 (2.8M ratings)](https://appshunter.io/ios/app/360/id1178856715/reviews)** |
| Number of ratings | 238 | **2.8M** |
| Positive reviews | 39.5% of reviews | **57.6% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | — | Free with in-app purchases |
| Size | 245 MB | 96 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [深圳市分期乐网络科技有限公司](https://appshunter.io/developer/897778999) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## 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


### 奇富借条(原360借条)

[App page](https://appshunter.io/ios/app/360/id1178856715)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 💳 Convenient for financial needs
- 👍 Simple and user-friendly
- 🙏 Helpful in emergencies

**What reviewers complain about**

- 🐛 Crashes and freezes
- 💰 High interest rates
- 🔒 Privacy and security concerns
- 📞 Aggressive marketing and constant calls

**Reported bugs**

- Unreliable loan disbursement
- Difficulties with account cancellation

**Requested features**

- Improve approval rate
- Provide more transparent pricing
- Offer better customer support


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