# 安逸花-分期借钱信用贷款快速借款平台 — 马上消费旗下正规借钱贷款软件

> Online platform for fast, flexible, and secure personal loans with high credit limits. (iPhone/iPad app by 马上消费金融股份有限公司.)

- Source: https://appshunter.io/ios/app/id1098542282 (this page in markdown: same URL + `.md`)
- Developer: [马上消费金融股份有限公司](https://appshunter.io/developer/1035050937)
- Category: Finance, Business
- Price: Free with in-app purchases
- Rating: 4.69/5 from 2,289,971 App Store ratings · 567 written reviews indexed
- Age rating: 17+
- Requires: iOS 12.0 · 141 MB
- Languages: Chinese (Simplified, China)
- Released: 2016-04-11
- Data updated: 2026-08-31
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/id1098542282/reviews.md

## What is 安逸花?

◇贷款借款借钱分期，就找安逸花◇
【安逸花贷款5大优势】
【额度高】信贷专业大平台，额度最高可达20万元
【放款快】借款流程简单，在线自动化审批，最快1分钟放款
【更安全】马上消费旗下产品，正规可信赖
【享权益】最高5万元提额机会，多种方式助提额
【更灵活】随借随用，额度循环，灵活分期

【平台介绍】
安逸花-分期贷款信用借款快速借钱平台，为马上消费金融股份有限公司推出的，一款循环额度的贷款借钱产品，用户可以在额度范围内进行分期借款贷款，在享受安全、专业、智能、便捷贷款同时，可自主提现支付，在额度范围内进行分期贷款、消费借款（购房、购车除外）。

【产品特点】
1. 效率高：贷款全程线上，使用身份证+手机号即可申请
2. 操作易：借款进度随时查，还款操作方便快捷
3. 可循环：一次授信，循环使用，额度有效期为5年，年化利率（单利）7.2%-24%
4. 更专业：信用贷款，手机借钱（小额贷款，快速借钱，借钱APP，现金借款，借钱平台）就找安逸花

【关于马上消费】
马上消费金融股份有限公司（简称“马上消费”）是一家经原中国银保监会批准，持有消费金融牌照的科技驱动型金融机构。

【资金来源】
贷款资金由马上消费金融股份有限公司及/或合作金融机构提供


【相关协议】
《隐私政策》https://vayh.msxf.com/protocol/privacy_protocol
《用户服务协议》https://vayh.msxf.com/protocol/regist_protocol

【联系我们】
官网：www.msxf.com
客服电话：95090

【温馨提示】
以上协议仅供预览参考，最终以签署的协议为准
贷款额度、放款时间、通过率以实际审批结果为准
贷款有风险，借款需谨慎，请依据个人能力合理贷款，理性消费，避免逾期

## Key features

- High credit limits up to 200,000 CNY
- Fast disbursement, as quick as 1 minute
- Secure and trustworthy, from a licensed financial institution
- Flexible credit lines with repeated use
- Online application with ID and phone number
- Easy loan progress tracking and repayment

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pro版连续包月 | $3.99 | per month |
| Plus版连续包月 | $2.99 | per month |
| Max版连续包月 | $4.99 | per month |
| 逸骊生活钜惠服务 | $0.99 | per month |
| 逸骊生活基础服务 | $0.49 | per month |
| 逸骊生活基础服务 | $0.99 | per month |
| 逸骊生活标准服务 | $5.99 | per month |
| 逸骊生活尊享服务 | $14.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 逸骊生活钜惠单月服务 | $0.99 | one-time |
| 逸骊生活基础单月服务 | $0.99 | one-time |


## What do users think of 安逸花?

Overall sentiment: neutral

**Pros**

- 💳 Convenient loan process
- ⚡ Fast loan approval and disbursement
- 💰 Reasonable interest rates
- 🤝 Helpful customer service
- 🆙 Easy to increase loan limit
- 🕰️ Flexible repayment schedule

**Cons**

- 🚫 Unable to prepay loans
- 📞 Frequent telemarketing calls
- 💳 Hidden fees and charges
- 🔍 Lack of transparency in loan terms
- 🤖 Automated decision-making issues

**Commonly reported bugs**

- Loan application process freezes
- Inconsistent app performance on older devices

**Most requested features**

- Allow prepayment of loans
- Improve transparency of loan terms
- Provide more flexible repayment options
- Enhance customer service responsiveness
- Implement stricter controls on telemarketing

## Recent user reviews (10 of 567)

All indexed reviews: https://appshunter.io/ios/app/id1098542282/reviews.md

### 5/5 — 好

*2025-10-19*

发财

### 5/5 — 如何提高借款利率？

*2025-10-13*

本app新增担保费收取，强制用户每月多还钱，加上每月利息后，就能把利率变相的增加到31.98%。

**Developer response:** 感谢您的反馈！每期还款账单中包括本金、利息等费项。如需查看每期的账单情况，您可前往APP→【我的】→【我的账单】查看本期账单。

### 5/5 — 很满意

*2025-09-23*

非常好

### 1/5 — 垃圾

*2025-09-22*

利息高不能提前还骚扰电话多界面垃圾要死

### 5/5 — 好用

*2025-09-11*

好用

### 5/5 — Haohao

*2025-08-03, version 4.0.19*

Haohao

### 5/5 — 很好的app

*2025-07-30*

我每个月20号才发工资，安逸花本来是16号还款，给了4天宽限，现在可以发工资后还款，压力小了很多，目前还了6000多了，打算年底还完

### 5/5 — 很好

*2025-07-18*

很好

### 5/5 — 安逸花

*2025-07-13, version 4.0.16*

推荐使用

### 5/5 — 很好

*2025-07-09*

需要粗vIGiv尽快哦vG8

## Frequently asked questions about 安逸花

### What is this app?

This app is a platform for personal loans and credit borrowing, offering quick and flexible loan services. It allows users to borrow money within an approved credit limit for various consumption needs, excluding housing and vehicle purchases.

### What are the key features of this loan app?

Key features include high credit limits up to 200,000 CNY, fast disbursement often within 1 minute, a secure and trustworthy platform operated by a licensed financial institution, and flexible credit lines that can be used repeatedly for up to 5 years. The application process is entirely online.

### How much does it cost to use this app?

The app itself is free to download and use. The cost associated with borrowing is the annual interest rate, which ranges from 7.2% to 24% (simple interest). Loan approval, disbursement time, and pass rates are subject to actual approval results.

### What are the eligibility requirements for a loan?

To apply for a loan, users typically need to provide their identification (ID card) and mobile phone number. The platform is operated by a licensed financial institution, suggesting a need for a good credit history, though specific detailed eligibility criteria are not explicitly listed beyond the basic application requirements.

### What can I use the loan for?

The loan can be used for various consumption needs, allowing for flexible installment borrowing and payment. However, it explicitly excludes loans for housing and vehicle purchases. Users can withdraw funds and make payments within their approved credit limit.

## Version history (last 5 releases)

### 4.0.40 — 2026-08-03

【申请便捷】借款流程简捷，安全又省心 
【体验升级】视觉体验优化，操作更流畅

### 4.0.39 — 2026-07-03

【申请便捷】借款流程简捷，安全又省心 
【体验升级】视觉体验优化，操作更流畅

### 4.0.38 — 2026-06-05

【申请便捷】借款流程简捷，安全又省心
【体验升级】视觉体验优化，操作更流畅

### 4.0.36 — 2026-04-07

【申请便捷】借款流程简捷，安全又省心
【体验升级】视觉体验优化，操作更流畅

### 4.0.35 — 2026-03-18

【申请便捷】借款流程简捷，安全又省心
【体验升级】视觉体验优化，操作更流畅

## More apps by 马上消费金融股份有限公司

- [马上金融 (安逸花借款)-正规贷款分期借钱平台](https://appshunter.io/ios/app/id1055916992)
- [马上钱包-手机借钱借款小额分期贷款平台](https://appshunter.io/ios/app/id1568686533)
- [优逸花-信用借钱贷款分期平台](https://appshunter.io/ios/app/id1569330127)
- [马上分期贷款-分期贷款小额借钱平台](https://appshunter.io/ios/app/id1585923863)

All apps by 马上消费金融股份有限公司: https://appshunter.io/developer/1035050937

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*