# 真融宝 vs 融360

The clearest difference is ads: 真融宝 at none against 融360's shown. 真融宝 also leads on rating (4.7 vs 4.4) and update cadence (every 2 weeks vs every 6 weeks). On price, review sentiment, ratings volume and in-app purchases there is nothing between them.

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

真融宝 holds the better App Store score, 4.7 against 4.4. Both are backed by a comparable volume of ratings — 38 and 43 respectively. Written reviews complicate that: 83% of 真融宝's written reviews are positive against 88% of 融360's, so the app with the better star average is not the one people write more warmly about.

真融宝 ships an update every 2 weeks, 融360 every 6 weeks. Both last shipped on November 1, 2026.

## The numbers

| Metric | 真融宝 | 融360 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (38 ratings)](https://appshunter.io/ios/app/250/id944120357/reviews)** | [4.4 (43 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews) |
| Number of ratings | 38 | **43** |
| Positive reviews | 83.3% of reviews | **87.9% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 2 weeks** | Every 6 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 61 MB | 104 MB |
| Requires iOS | **8.0** | 13.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [北京快快网络技术有限公司](https://appshunter.io/developer/944120356) | [融360](https://appshunter.io/developer/562807898) |

## What reviewers say

### 真融宝

[App page](https://appshunter.io/ios/app/250/id944120357)

A comprehensive fintech platform offering convenient and efficient financial services for everyday investors. Start investing with as little as 100 yuan, earn interest from the next day, and withdraw funds in as fast as one minute. Backed by reputable investors and a strong track record.

**Highlights:** Invest from 100 yuan, Interest accrues next day, Fast withdrawals, Diverse investment terms, Bank custody for funds, Third-party guarantee mechanism, High security certifications

**Features:** macOS Compatibility

**In-app purchases:** none


### 融360

[App page](https://appshunter.io/ios/app/360/id1026689855)

This platform helps users find and compare financial products like loans and credit cards. It offers personalized recommendations based on user needs and provides financial education resources. Loans are sourced from regulated institutions with flexible repayment options.

**Highlights:** Loan amount up to 200,000 CNY, Low annual interest rates (7.2%-24%), Flexible repayment options (6, 12, 24 months), Loans from regulated financial institutions, Financial education and industry reports, AI-powered product matching

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 真融宝 free?

真融宝 is free to download, with no in-app purchases.

### Is 融360 free?

融360 is free to download, with no in-app purchases.

### Which has better reviews, 真融宝 or 融360?

真融宝 is rated higher. 真融宝 averages 4.7 out of 5 from 38 ratings, while 融360 averages 4.4 from 43 ratings.

### Do 真融宝 or 融360 have ads?

融360 shows ads; 真融宝 does not.

### Which is updated more often, 真融宝 or 融360?

真融宝 ships an update every 2 weeks, and 融360 every 6 weeks. Most recently, 真融宝 was updated on November 1, 2026 and 融360 on November 1, 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.*