Comparison

羊小咩 vs 360分期

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

羊小咩

This platform offers a personalized, one-stop shopping experience with installment payment options. It focuses on fun, gamified consumption for young users, featuring exclusive deals and user-driven event planning. Enjoy a straightforward, enjoyable shopping journey with real discounts and dedicated support.

Highlights
  • Installment shopping services
  • Personalized recommendations
  • Gamified consumption experience
  • User-driven event planning
  • Exclusive deals and discounts
  • Dedicated customer support
Features
Read full description

【简介】 羊小咩是一个以用户体验为中心,旨在为用户提供智能化的一站式生活消费服务平台,为用户提供分期购物服务。羊小咩,作为年轻人的生活好友,更加了解用户需求和喜好,推出众多高性价比的潮流好物。平台推行“趣味游戏、快乐消费”主旨,通过游戏化、趣味化等多元方式,帮助用户获取轻松和愉悦的消费体验,进一步延展覆盖吃、喝、玩,乐全生活场景需求。羊小咩充分尊重用户意见,邀请用户参与平台共建,投票决定活动品类及价格,一起玩转优惠活动。此外,羊小咩与年轻人“坦诚相见”,没有复杂的优惠规则,推出实实在在的福利折扣,提供轻松愉悦的购物体验。 【平台优势】: 1.千人千面 专属体验 基于人工智能、大数据、云计算等科技能力搭建的智能推荐技术,可精准推荐适合用户的商品及专属消费权益,让用户获得“千人千面”的个性化服务体验。 2.优质便捷 轻松购物 为年轻人提供个性化的、智能化的轻松购物体验。 3.用户共建 用户参与活动投票,可共同决定活动产品及价格。 4.沟通顺畅 反馈积极 专属客服管家服务,积极有效地沟通,无忧体验 【团队介绍】: 羊小咩核心团队成员由来自国内互联网一线的产品运营专家及精英人才组成,多位毕业于海外名校,有着丰富成熟的经验,希望为用户提供国内优质的电商、消费及生活服务。 【活动介绍】: 限时抢购:爆款特惠直击底价,每日惊喜不停。活动时间持续有效 新人见面礼:新人独享318元新人大礼包,更有钜惠新人专享商品等你拿!活动时间持续有效 买一赠一、好物五折、千元补贴: 全场商品优惠多多,就等你来!活动详情请关注羊小咩平台~ 感恩大回馈时间:1.1-9日;大牌日:活动当天,限全体用户参加,指定专区商品可享,活动内容:超级秒杀日、大牌闪购日、限时抢购活动会场内容专区活动商品可享

About

360分期

This platform offers convenient, online-only installment loans with automated approval and flexible repayment options up to 24 months. It leverages technology to assess credit and provide a secure borrowing experience.

Highlights
  • Online application and approval
  • No collateral required
  • Automated and fast processing
  • Flexible repayment up to 24 months
  • Secure transactions
Features
Read full description

【平台介绍】 360分期是奇富科技旗下的分期消费信贷平台。 360分期通过云计算、机器学习、大数据等技术客观评估个人信用,致力于为用户打造一流的分期贷款平台,向用户提供正规、便捷、省心的分期借贷体验,提升用户的信用生活品质。 【产品优势】 1、 申请便捷:全程线上操作,自动审批,无抵押 2、 快速审批:自动化审批,购物无需等待 3、 灵活分期:最长可分24期,自由选择,分期无忧。 4、 安全可靠:奇富科技旗下分期信贷平台,具有先进的网络安全技术,为您的每笔交易保驾护航。 温馨提示: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。

Screenshots

羊小咩4 screens
360分期4 screens

Verdict

The call

The clearest difference is review sentiment: 羊小咩 at 100% against 360分期's 17%. On price, update cadence, ads and in-app purchases 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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.

Scorecard1 real difference · 9 level
羊小咩 versus 360分期: the parameters behind the verdict, then further details
Parameter羊小咩360分期
PriceFreeFree
Rating5.0 (2 ratings) — better—
Positive reviews100.0% of reviews — better16.7% of reviews
Number of ratings2 — better—
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.4 — better13.0
Further details — not scored
Size87 MB87 MB
Age rating17+17+
DeveloperBeijing QuantGroup Technology Co., LtdFuzhou Qifu Online Microcredit Co., Ltd

Customer experience

羊小咩

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews32 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

360分期

Written reviews12 reviews
Positive16.7%
Neutral8.3%
Negative75.0%

In-app purchases

None

羊小咩

No in-app purchases

None

360分期

No in-app purchases

Questions

Is 羊小咩 free?
羊小咩 is free to download, with no in-app purchases.
Is 360分期 free?
360分期 is free to download, with no in-app purchases.
Do 羊小咩 or 360分期 have ads?
Neither 羊小咩 nor 360分期 shows ads.
Which is updated more often, 羊小咩 or 360分期?
羊小咩 ships an update every 3 weeks, and 360分期 every 3 weeks. Most recently, 羊小咩 was updated on November 6, 2026 and 360分期 on November 2, 2026.

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