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奇富借条(原360借条)-手机信用贷款小额借钱平台

Complex credit applications are dead. The app arms its users with instant financial leverage, accessed with a tap.

Finance & Crypto ›

Key Figures

Downloads

50M+

User Rating

4.9/5

Total Ratings

2.8M

Publisher

Fuzhou Qifu Online Microcredit Co., Ltd

An analysis of '奇富借条' features for financially astute individuals and small business owners.

Key Strengths for the Discerning Borrower

Reputable and Secure Platform

The app operates under Qifu Technology, a licensed institution, providing advanced network security to safeguard user data and transactions, ensuring a trustworthy and protected lending environment.

Fully Online and Convenient Application

It allows users to apply for loans entirely online, without the need for collateral or physical paperwork. The innovative facial recognition feature simplifies the process, making it fast and hassle-free.

Flexible Repayment Options

This tool features a variety of repayment options, including 3, 6, 12, and up to 24 installments for premium users, enabling borrowers to tailor their repayment schedule to their financial situation.

Transparent and Competitive Interest Rates

The app provides transparent fee structures, with daily interest rates starting from 0.012% per 100 RMB and an annualized interest rate (simple interest) as low as 7.2%, allowing users to clearly understand their borrowing costs.

High Loan Limits

It offers a substantial maximum loan limit of up to 200,000 RMB upon approval, catering to significant personal consumption needs or operational funding requirements for small businesses.

New User Interest-Free Offer

The platform offers an interest-free package for new users, potentially saving up to 65 RMB or providing the last installment interest-free, serving as an attractive incentive for first-time borrowers.

FAQ

Frequently Asked Questions

Everything you need to know about 奇富借条(原360借条)-手机信用贷款小额借钱平台

What is the maximum loan amount available with 奇富借条?

奇富借条 offers a maximum loan amount of 200,000 yuan. This highest approved amount is subject to individual credit assessment and eligibility within the app.

What is the annual interest rate for 奇富借条 loans?

The annual interest rate (simple interest) for 奇富借条 loans starts from 7.2%. For example, borrowing 1,000 yuan for 12 months incurs a daily interest fee starting from 0.12 yuan.

What are the available repayment periods for 奇富借条?

奇富借条 provides flexible repayment options of 3, 6, or 12 periods. An extended term of up to 24 periods is available exclusively for qualifying "quality users" of the platform.

Does 奇富借条 require collateral for loans?

No, 奇富借条 offers unsecured loans, eliminating the need for collateral. The entire application, including identity and face recognition verification, is completed online without physical documents.

Does 奇富借条 offer benefits for new users?

Yes, 奇富借条 provides a new user interest-free package. New users can receive up to 65 yuan in interest waiver or the last repayment period interest-free for 12-period loans. Some offers also include up to 30 days interest-free.

Is 奇富借条 a secure and reliable lending platform?

Yes, 奇富借条 is a secure credit tech service brand under Qifu Technology, a licensed institution with advanced network security. Qifu Technology is a publicly listed company on Nasdaq and Hong Kong (QFIN).

How quickly can I receive a loan from 奇富借条?

奇富借条 aims for fast loan disbursement. Funds can be released to the user's account in as little as 5 minutes after the loan application receives final approval.

What was the previous name of 奇富借条?

奇富借条 was formerly known as 360借条 (360 Jietiao). The app launched in 2016, and its name officially changed to 奇富借条 in 2024.

Who qualifies for the 24-month repayment option on 奇富借条?

The 24-month repayment option on 奇富借条 is exclusively for "quality users." Standard repayment terms available to all users include 3, 6, or 12 periods.

How does one apply for a loan using 奇富借条?

Users apply for a loan with 奇富借条 entirely online in three steps: real-name verification, identity verification, and obtaining the approved limit. This includes submitting identity information and performing face recognition.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Reinforce confidence in the app, highlighting its status as a 'Nasdaq & Hong Kong listed brand' and showcasing the recognizable 'QFIN' stock ticker symbol, assuring reliability.

Credibility and Trust

Description

奇富借条（原360借条），是奇富科技旗下信贷科技服务品牌，超2.5亿用户选择的持牌机构。【产品特点】 1、手机贷款额度高：审批后最高额度20万元； 2、偿还贷款息费透明：借1千元分12期，日息费1毛2起，年化利率（单利）7.2%起（以审核为准）； 3、还款方式灵活：可根据实际需要灵活选择不同的还款方式（可分3期，6期，12期，最长24期仅优质用户可享）； 4、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； 5、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； 6、新人免息礼包规则：活动开始日期2022年1月1日结束日期2025年12月31日参与对象：仅针对奇富借条新用户优惠详情：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“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。