# 拍拍贷借款 vs 360信用钱包

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.

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.

## The numbers

| Metric | 拍拍贷借款 | 360信用钱包 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (70 ratings)](https://appshunter.io/ios/app/id983488107/reviews)** | [1.0 (6 ratings)](https://appshunter.io/ios/app/360/id1480502565/reviews) |
| Number of ratings | **70** | 6 |
| Positive reviews | 63.8% of reviews | **86.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 107 MB | 85 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


### 360信用钱包

[App page](https://appshunter.io/ios/app/360/id1480502565)

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.

**Highlights:** Personal credit assessment, Installment purchases, Cash loans, Consumer finance, Big data technology, Machine learning

**Features:** 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 360信用钱包 free?

360信用钱包 is free to download, with no in-app purchases.

### Which has better reviews, 拍拍贷借款 or 360信用钱包?

拍拍贷借款 is rated higher. 拍拍贷借款 averages 3.8 out of 5 from 70 ratings, while 360信用钱包 averages 1.0 from 6 ratings.

### Do 拍拍贷借款 or 360信用钱包 have ads?

Neither 拍拍贷借款 nor 360信用钱包 shows ads.

### Which is updated more often, 拍拍贷借款 or 360信用钱包?

拍拍贷借款 ships an update every 6 weeks, and 360信用钱包 every 3 weeks. Most recently, 拍拍贷借款 was updated on October 29, 2026 and 360信用钱包 on October 24, 2026.

---

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