# 拍拍贷借款 vs 融360

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.

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.

## The numbers

| Metric | 拍拍贷借款 | 融360 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (70 ratings)](https://appshunter.io/ios/app/id983488107/reviews) | **[4.4 (42 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews)** |
| Number of ratings | **70** | 42 |
| Positive reviews | 63.8% of reviews | **87.9% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 6 weeks | Every 6 weeks |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 107 MB | 104 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [上海拍拍贷金融信息服务有限公司](https://appshunter.io/developer/956052052) | [融360](https://appshunter.io/developer/562807898) |

## What reviewers say

### 拍拍贷借款

[App page](https://appshunter.io/ios/app/id983488107)

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.

**Highlights:** 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

**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 拍拍贷借款 free?

拍拍贷借款 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, 拍拍贷借款 or 融360?

融360 is rated higher. 拍拍贷借款 averages 3.8 out of 5 from 70 ratings, while 融360 averages 4.4 from 42 ratings.

### Do 拍拍贷借款 or 融360 have ads?

融360 shows ads; 拍拍贷借款 does not.

### Which is updated more often, 拍拍贷借款 or 融360?

拍拍贷借款 ships an update every 6 weeks, and 融360 every 6 weeks. Most recently, 拍拍贷借款 was updated on October 29, 2026 and 融360 on October 29, 2026.

---

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