# 分期乐 vs 360信用钱包

The clearest difference is review sentiment: 360信用钱包 at 86% against 分期乐's 39%. 360信用钱包 also leads on ads (none vs shown). 分期乐's advantage is rating (2.6 vs 1.0) and ratings volume (239 vs 6). On price, update cadence, in-app purchases and device support there is nothing between them.

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

分期乐 holds the better App Store score, 2.6 against 1.0. That said, the two scores are not equally well evidenced: 分期乐 has 239 ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 39% of 分期乐's written reviews are positive against 86% of 360信用钱包's, so the app with the better star average is not the one people write more warmly about.

分期乐 ships an update monthly, 360信用钱包 every 3 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | 分期乐 | 360信用钱包 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (239 ratings)](https://appshunter.io/ios/app/id906611031/reviews)** | [1.0 (6 ratings)](https://appshunter.io/ios/app/360/id1480502565/reviews) |
| Number of ratings | **239** | 6 |
| Positive reviews | 39.5% of reviews | **86.4% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | — | Free |
| Size | 245 MB | 85 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


### 360信用钱包

[App page](https://appshunter.io/ios/app/360/id1480502565)

This financial technology platform offers personal credit assessment and consumer finance services. It provides installment purchases and loans, aiming to enhance users' quality of life through convenient and reliable installment consumption experiences. The service leverages advanced technologies to evaluate individual creditworthiness.

**Highlights:** Personal credit assessment, Installment purchases, Cash loans, Consumer finance, Big data technology, Machine learning

**Features:** 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信用钱包 free?

360信用钱包 is free to download, with no in-app purchases.

### Which has better reviews, 分期乐 or 360信用钱包?

分期乐 is rated higher. 分期乐 averages 2.6 out of 5 from 239 ratings, while 360信用钱包 averages 1.0 from 6 ratings.

### Do 分期乐 or 360信用钱包 have ads?

分期乐 shows ads; 360信用钱包 does not.

### Which is updated more often, 分期乐 or 360信用钱包?

分期乐 ships an update monthly, and 360信用钱包 every 3 weeks. Most recently, 分期乐 was updated on November 6, 2026 and 360信用钱包 on November 3, 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.*