招联金融 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.
招联金融
This app offers fast and convenient online loan applications using just your ID. Get approved and receive funds in as little as one minute, with loan amounts up to 300,000 yuan. Enjoy flexible repayment options and access a range of smart financial services.
- Online application with ID
- Fast loan disbursement (as quick as 1 minute)
- High loan limits (up to 300,000 yuan)
- Negotiable interest rates and repayment terms
- Cash loans
- Installment shopping
Read full descriptionHide full description
招联金融：凭身份证等材料在线申请！借款成功后最快1分钟放款！额度最高30万元！ 利率高低、额度高低、还款时间都能“商量”，解锁更多「智惠」金融服务！ 【平台介绍】 招联金融：由招商银行与中国联通共同组建，持牌消费金融机构。为您提供安全、专业、智能、便捷的现金借贷、分期消费贷款服务。 【产品优势】 1、申请易：线上申请，无抵押 2、速度快：快速放款，现金借款成功后最快1分钟到账 3、额度高：可借金额最高30万元 【产品简介】 ● 现金借贷：招联为您提供专业的消费贷款服务。 ● 分期购物：使用招联金融信用额度，自由选择分期数，先消费、后还款。 ● 展示内容：汇聚更多精彩，「惠」无止境，一「下」就来！ 【联系我们】 微信关注“招联金融”官方公众号，为您提供快捷便利服务！ 官方网站：www.mucfc.com 【风险提示】 ● 具体页面内容与活动规则以实际页面展示为准 ● 贷款额度、利率、放款时间以实际审批结果为准 ● 招联金融贷款仅可用于消费；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
Read full descriptionHide full description
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 monetization model: 招联金融 at free against 奇富借条(原360借条)'s free with in-app purchases. 招联金融 also leads on review sentiment (72% vs 58%). On price, rating, ratings volume and update cadence 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.
On the App Store both sit at effectively the same score — 4.9 for 招联金融 against 4.9 for 奇富借条(原360借条). Both are backed by a comparable volume of ratings — 1.5M and 2.8M respectively. Written reviews are what separate them: 72% of 招联金融's written reviews are positive against 58% of 奇富借条(原360借条)'s.
招联金融 ships an update every 4 weeks, 奇富借条(原360借条) fortnightly. Both last shipped on October 26, 2026.
| Parameter | 招联金融 | 奇富借条(原360借条) |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (1.5M ratings) | 4.9 (2.8M ratings) — better |
| Positive reviews | 71.9% of reviews — better | 57.6% of reviews |
| Number of ratings | 1.5M | 2.8M — better |
| Update frequency | Every 4 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 132 MB | 96 MB |
| Age rating | 17+ | 17+ |
| Developer | 招联消费金融股份有限公司 | Fuzhou Qifu Online Microcredit Co., Ltd |
Customer experience
招联金融
奇富借条(原360借条)
Bugs and requests
招联金融
Not enough reviews yet to summarise bugs or requests.
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
招联金融
No in-app purchases
奇富借条(原360借条)
No in-app purchases
