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.
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。
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
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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 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | 拍拍贷借款 | 奇富借条(原360借条) |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (72 ratings) | 4.9 (2.8M ratings) — better |
| Positive reviews | 63.8% of reviews — better | 57.6% of reviews |
| Number of ratings | 72 | 2.8M — better |
| Update frequency | Every 6 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 107 MB | 96 MB |
| Age rating | 17+ | 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
奇富借条(原360借条)
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
拍拍贷借款
No in-app purchases
奇富借条(原360借条)
No in-app purchases








