Yes, there is a difference between .gitconfigand .git/config.
.git/configwill contain configuration information for your repository. But it .gitconfigwill contain your user data and the configuration set for git, for example user.name, the user.emaildefault editor, color settings, etc.
On Windows, you will find the file .gitconfigin C:\Users\user_name.
.git/config <git_repository>/.git/ (.git/config git init ).