# 拍拍贷借款 vs 奇富借条(原360借条)

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.

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.

## The numbers

| Metric | 拍拍贷借款 | 奇富借条(原360借条) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (72 ratings)](https://appshunter.io/ios/app/id983488107/reviews) | **[4.9 (2.8M ratings)](https://appshunter.io/ios/app/360/id1178856715/reviews)** |
| Number of ratings | 72 | **2.8M** |
| Positive reviews | **63.8% of reviews** | 57.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 107 MB | 95 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) | [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) |

## 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


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