Comparison

拍拍贷借款 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.

Head to head
About

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.

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
Read full description

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。

About

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.

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
Read 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

拍拍贷借款4 screens
奇富借条(原360借条)4 screens

Verdict

The call

The clearest difference is rating: 奇富借条(原360借条) at 4.9 against 拍拍贷借款's 3.8. 奇富借条(原360借条) also leads on ratings volume (2.8M vs 72) and update cadence (fortnightly vs every 6 weeks). On price, review sentiment, ads 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

奇富借条(原360借条) holds the better App Store score, 4.9 against 3.8. That said, the two scores are not equally well evidenced: 奇富借条(原360借条) has 2.8M ratings behind it against 72, so its average is the more settled of the two. Written reviews complicate that: 64% of 拍拍贷借款's written reviews are positive against 58% of 奇富借条(原360借条)'s, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

拍拍贷借款 ships an update every 6 weeks, 奇富借条(原360借条) fortnightly. Both last shipped on November 11, 2026.

Scorecard4 real differences · 6 level
拍拍贷借款 versus 奇富借条(原360借条): the parameters behind the verdict, then further details
Parameter拍拍贷借款奇富借条(原360借条)
PriceFreeFree
Rating3.8 (72 ratings)4.9 (2.8M ratings) — better
Positive reviews63.8% of reviews — better57.6% of reviews
Number of ratings722.8M — better
Update frequencyEvery 6 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size107 MB96 MB
Age rating17+17+
Developer上海拍拍贷金融信息服务有限公司Fuzhou Qifu Online Microcredit Co., Ltd

Customer experience

拍拍贷借款

All ratings70 ratings
Positive70.0%
Neutral0.0%
Negative30.0%
Written reviews69 reviews
Positive63.8%
Neutral0.0%
Negative36.2%

奇富借条(原360借条)

All ratings590 ratings
Positive90.0%
Neutral0.8%
Negative9.2%
Written reviews85 reviews
Positive57.6%
Neutral0.0%
Negative42.4%

Bugs and requests

拍拍贷借款

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

None

拍拍贷借款

No in-app purchases

None

奇富借条(原360借条)

No in-app purchases

Questions

Is 拍拍贷借款 free?
拍拍贷借款 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, 拍拍贷借款 or 奇富借条(原360借条)?
奇富借条(原360借条) is rated higher. 拍拍贷借款 averages 3.8 out of 5 from 72 ratings, while 奇富借条(原360借条) averages 4.9 from 2.8M ratings.
Do 拍拍贷借款 or 奇富借条(原360借条) have ads?
Neither 拍拍贷借款 nor 奇富借条(原360借条) shows ads.
Which is updated more often, 拍拍贷借款 or 奇富借条(原360借条)?
拍拍贷借款 ships an update every 6 weeks, and 奇富借条(原360借条) fortnightly. Most recently, 拍拍贷借款 was updated on November 11, 2026 and 奇富借条(原360借条) on November 11, 2026.

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