拍拍贷借款 vs 360信用钱包
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。
360信用钱包
This financial technology platform offers personal credit assessment and consumer finance services. It provides installment purchases and loans, aiming to enhance users' quality of life through convenient and reliable installment consumption experiences. The service leverages advanced technologies to evaluate individual creditworthiness.
- Personal credit assessment
- Installment purchases
- Cash loans
- Consumer finance
- Big data technology
- Machine learning
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产品优势： - 360信用钱包是美股上市公司奇富科技旗下的金融科技平台。 - 通过云计算、机器学习、大数据等技术客观评估个人信用，致力于为用户打造专业的消费金融科技平台。平台亦会提供分期购，分期借等多种现金消费形式，旨在向用户提供正规、便捷、省心的分期消费体验，提升用户的消费生活品质。 - 先消费后还款，分期立享所爱 - 费率透明：年化利率(单利)7.2%-24%（以审核为准）； 温馨提示： - 客服/投诉热线：400-6030360（周一至周日：8:00 - 24:00） - 贷款额度、利率，放款时间以实际审核为准; - 福利活动仅抵扣部分利息，详细优惠方式以APP内活动规则为准； (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) - 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。
Screenshots
Verdict
The clearest difference is rating: 拍拍贷借款 at 3.8 against 360信用钱包's 1.0. 拍拍贷借款 also leads on ratings volume (70 vs 6). 360信用钱包's advantage is monetization model (free vs free with in-app purchases) and review sentiment (86% vs 64%). On price, ads, in-app purchases and device support 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.
拍拍贷借款 holds the better App Store score, 3.8 against 1.0. That said, the two scores are not equally well evidenced: 拍拍贷借款 has 70 ratings behind it against 6, 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 86% of 360信用钱包'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, 360信用钱包 every 3 weeks. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | 拍拍贷借款 | 360信用钱包 |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (70 ratings) — better | 1.0 (6 ratings) |
| Positive reviews | 63.8% of reviews | 86.4% of reviews — better |
| Number of ratings | 70 — better | 6 |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 107 MB | 85 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
360信用钱包
In-app purchases
拍拍贷借款
No in-app purchases
360信用钱包
No in-app purchases
