# 招联金融 vs 奇富借条(原360借条)

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.

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.

## The numbers

| Metric | 招联金融 | 奇富借条(原360借条) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (1.5M ratings)](https://appshunter.io/ios/app/id978599335/reviews) | **[4.9 (2.8M ratings)](https://appshunter.io/ios/app/360/id1178856715/reviews)** |
| Number of ratings | 1.5M | **2.8M** |
| Positive reviews | **71.9% of reviews** | 57.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Fortnightly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 132 MB | 96 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [招联消费金融股份有限公司](https://appshunter.io/developer/978599334) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## What reviewers say

### 招联金融

[App page](https://appshunter.io/ios/app/id978599335)

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.

**Highlights:** 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

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

**In-app purchases:** none


### 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 招联金融 free?

招联金融 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, 招联金融 or 奇富借条(原360借条)?

奇富借条(原360借条) is rated higher. 招联金融 averages 4.9 out of 5 from 1.5M ratings, while 奇富借条(原360借条) averages 4.9 from 2.8M ratings.

### Do 招联金融 or 奇富借条(原360借条) have ads?

Neither 招联金融 nor 奇富借条(原360借条) shows ads.

### Which is updated more often, 招联金融 or 奇富借条(原360借条)?

招联金融 ships an update every 4 weeks, and 奇富借条(原360借条) fortnightly. Most recently, 招联金融 was updated on October 26, 2026 and 奇富借条(原360借条) on October 26, 2026.

---

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