拍拍贷借款 vs 融360
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
拍拍贷借款
This platform offers various loan products including personal consumption, business, and renovation loans. It features a simple online application process with quick approval and disbursement times, offering flexible loan amounts and competitive interest rates. User information is kept confidential.
- Personal and business loan options
- Fast online application and disbursement
- Flexible loan amounts up to 200,000
- Low interest rates starting at 3.6%
- No collateral required
- Confidential user information
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借钱就上拍拍贷借款！ 【关于拍拍贷】 拍拍贷借款是信也科技旗下的一家网络信用借贷平台，2007年诞生于上海，2017年11月于纽交所成功上市，利用AI智能和大数据风控技术为用户提供方便、快捷的借款服务，力图通过大数据和人工智能等技术实现“科技，让金融更美好”的使命。 【产品特色】 1、产品提供：个人消费贷、企业经营贷等。 2、借款便捷：借款流程简单，全流程线上审批，随借随用。 3、额度灵活：最高额度20万，额度循环使用。 4、息费透明：综合年化利率区间3.6%-24%。 5、自主提额：额度跟随信用状况变更，可自主申请提额。 6、信息保密：用户信息严格保密，值得信赖。 7、小额借款（现金借款，借钱，手机借款，手机借钱，线上贷款）就找拍拍贷。 【产品标签】 一站式实现线上贷款，手机借钱，现金借贷，小额借钱，小额贷款，信用贷款，分期贷款的网络信用借贷平台。借钱，就上拍拍贷借款！ 【联系我们】 客服电话：95065（08:00-20:00） 微信关注“上海拍拍贷”公众号 温馨提示： 1、贷款有风险，借款需谨慎，请根据个人经济能力合理贷款，合理消费，避免逾期； 2、贷款额度、利率、放款时间以实际审核为准。
融360
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.
- 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
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融360(www.rong360.com)成立于2011年10月，以“让金融更简单，成为每个人的金融伙伴”为使命与愿景。2017年11月16日，融360旗下简普科技在美国成功上市。 【产品特点】 1、贷款额度：最高额度20万元。 2、安全借贷：贷款资金由正规持牌金融机构提供。 3、利率优势：贷款年化利率 7.2%-24%（以审核为准）。 4、还款灵活：可根据实际需求灵活选择不同还款方式（可分6期，12期，24期等还款方式）。 5、服务优质：我们深知您的难和急。暖心的服务是我们理应为您真情奉献的。 融360平台通过大数据分析、人工智能和机器学习技术，为个人消费者、小微企业、个体工商户提供金融产品的搜索、匹配、推荐服务。此外，融360还免费为用户提供金融教育、行业报告等内容服务。 【温馨提示】 不同产品通过率、贷款额度、贷款利率、放款时间差异较大,具体以金融机构实际审批放款为准； 贷款有风险、借款需谨慎，请依据个人能力合理贷款，理性消费，避免逾期 联系我们 【官方网站】http://m.rong360.com 【官方微信公众号】融360 【客服电话】10100360或4008-905-360
Screenshots
Verdict
The clearest difference is rating: 融360 at 4.4 against 拍拍贷借款's 3.8. 融360 also leads on review sentiment (88% vs 64%) and monetization model (ad-supported vs free with in-app purchases). 拍拍贷借款's advantage is ads (none vs shown). On price, ratings volume, update cadence 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
融360 holds the better App Store score, 4.4 against 3.8. Both are backed by a comparable volume of ratings — 70 and 42 respectively. Written reviews point the same way: 64% of 拍拍贷借款's written reviews are positive against 88% of 融360's.
Both ship on a similar rhythm, roughly every 6 weeks. Both last shipped on October 29, 2026.
| Parameter | 拍拍贷借款 | 融360 |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (70 ratings) | 4.4 (42 ratings) — better |
| Positive reviews | 63.8% of reviews | 87.9% of reviews — better |
| Number of ratings | 70 — better | 42 |
| Update frequency | Every 6 weeks | Every 6 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 107 MB | 104 MB |
| Age rating | 17+ | 17+ |
| Developer | 上海拍拍贷金融信息服务有限公司 | 融360 |
Customer experience
拍拍贷借款
融360
In-app purchases
拍拍贷借款
No in-app purchases
融360
No in-app purchases
