# 万卡-低息分期借贷平台

> Online personal loan platform with revolving credit, fast approval, and flexible repayment. (iPhone/iPad app by Guangxi Wanka Artificial Intelligence Technology Co., Ltd.)

- Source: https://appshunter.io/ios/app/id1192163634 (this page in markdown: same URL + `.md`)
- Developer: [Guangxi Wanka Artificial Intelligence Technology Co., Ltd](https://appshunter.io/developer/1220728275)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.57/5 from 321,005 App Store ratings · 34 written reviews indexed
- Age rating: 17+
- Requires: iOS 13.0 · 52 MB
- Languages: Chinese
- Released: 2017-01-15
- Data updated: 2026-09-07
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/id1192163634/reviews.md

## What is 万卡?

万卡是一款循环额度的信用贷款信息服务平台，凭身份证+银行卡即可在线申请，快速审批，额度至高可达20万。
【产品介绍】
1.额度高
额度最高可达200000元（以实际审批额度为准），可以循环使用
2.放款快
实时在线审批，效率高
3.申请方便
凭身份证+银行卡即可快速申请，线上操作
4.还款灵活
支持随借随还/定期还款
5.利息低
按日计息，息费透明
【温馨提示】实际额度以审批结果为准，请珍视信用，按时还款，勿过度举债

## Key features

- Revolving credit line
- High loan amounts up to 200,000 yuan
- Fast online approval
- Easy application with ID and bank card
- Flexible repayment options
- Low daily interest rates
- Transparent fees

## Recent user reviews (10 of 34)

All indexed reviews: https://appshunter.io/ios/app/id1192163634/reviews.md

### 1/5 — 注意‼️被骗子，大家别来借钱！

*2026-03-20, version 4.2.8*

注意‼️被骗子，大家别来借钱！

### 1/5 — 狗屎

*2025-10-06, version 4.2.7*

垃圾

### 1/5 — 诈骗平台

*2024-10-05, version 4.1.9*

苹果也收黑钱，这种诈骗平台也能存在，而且我的评论永远都会被删除

### 1/5 — 网贷是骗子

*2024-08-24*

网贷是骗子

### 1/5 — 诱导开会员，开了也不行

*2023-05-26*

出了增加征信查询，没有半点儿用途

### 1/5 — 垃圾

*2022-12-08, version 4.1.4*

有额度 但是不可能借出来 诱导你开通会员

### 1/5 — 借款是幌子，诱导你购买什么权益才是真，坑

*2022-09-15*

借款是幌子，诱导你购买什么权益才是真，坑

### 5/5 — 感谢玖富万卡平台

*2022-07-23*

非常非常非常感谢玖富万卡这个平台，在我面对资金周转困难无人可帮时及时快速手续简单及时到账解了我的燃眉之急。就是有次因为在外有事耽误了还款时间第二天及时把还款还进去了可还是影响了综合评分，希望平台能像信用卡一样给客户有解释补救的机会，只要不是恶意逾期并能在缓解的时间内还款就不要上报影响征信，这样老用户肯定会越来越多的，祝平台越办越好让更多的用户不用欠人情都能解决燃眉之急

### 1/5 — 。。12233

*2022-06-13, version 4.0.3*

有额度也不给你

### 5/5 — 5星只为后面的朋友能看见 借之前先去网上搜一下玖富万卡再考虑要不要借 一定要想清楚了

*2020-10-15*

第一 高额手续费砍头息！！！事实借款6000实际到账只为4500，玖富自行扣除1500是所谓保费外加手续费。而且扣除的1500需要借款人还清并以6000的借款额度收取利息，加在一起利率已远远超过国家规定的36%。你借1万分12期要还1600还要多。如果已借并还清的朋友我这里明确的告诉你们去找玖富万卡要求退还保费记得沟通客服电话一定要录音或者消息截图如不退去投诉银监会并去警局备案或者找律师起诉。 第二 阴阳合同！！！不会明确告诉你要扣保费并全额收取利息，等你借款后会发现和你到账实际金额完全不符。 第三 暴力催收！！！提前7天，天天给你发信息或者电话告诉你要到还款日，如果逾期催收为第三方而不是客服，电话短信骚扰，言语辱骂，恐吓，威胁，曝通讯录严重影响你的日常生活。19年国家明确规定在能联系到本人并明确表示还款意向的情况下，一天催收电话不得超过三个，不得骚扰影响通讯录他人的日常生活禁止曝通讯录。如果遇到的朋友请告知亲友催收来电时，电话短信录音并截图联系玖富客服再拨打110备案并联系银监会投诉玖富，有能力的可以去起诉。 第四 征信！！！ 玖富万卡最容易弄花征信如以后银行贷款或者买房的朋友请慎重考虑。最后一定要在玖富借款的朋友在正常还款和有意向还款的条件上一定要保证自己的个人合法权益！！！在黑猫投诉上玖富万卡8000多投诉！先去黑猫投诉上看看并在网上搜一下玖富万慎重考虑好了再去玖富借款！！！

## Frequently asked questions about 万卡

### What is the maximum loan amount offered by 万卡?

万卡 offers loan amounts up to 200,000 yuan, with the actual approved amount subject to the final approval result. This credit line can be used repeatedly.

### How quickly can I get approved for a loan with 万卡?

The platform provides real-time online approval, emphasizing high efficiency. The application process is designed to be fast and convenient, requiring only an ID and bank card.

### What are the repayment options for 万卡 loans?

万卡 offers flexible repayment options, including the ability to repay as you borrow or opt for regular fixed repayments. Interest is calculated daily, and fees are transparent.

### Is 万卡 available on all devices?

Based on the provided information, 万卡 is supported on iPhone and iPod devices. Compatibility with other platforms like Android is not specified.

### What is the interest rate structure for 万卡 loans?

Interest is calculated on a daily basis, and the platform states that the interest rates are low and the fees are transparent. Users are advised to borrow responsibly.

### Does 万卡 have ads?

Yes, 万卡 contains advertisements. This is indicated by the 'hasAds' flag being true in the application data.

### What is the age rating for 万卡?

万卡 has an age rating of 17+, meaning it is intended for users aged 17 and above. This is a common rating for financial applications.

### How often is 万卡 updated?

The latest version of 万卡 is 4.2.5, and it was last updated on July 25, 2025. This suggests a relatively frequent update schedule for the application.

## Version history (last 5 releases)

### 4.3.0 — 2026-05-27

1.修复意见反馈跳转页面失败的bug

### 4.2.5 — 2025-07-25

1.登录注册优化
2.部分已知bug修复

### 4.2.4 — 2025-06-16

1.修复iOS相册选择器无法弹出的bug

### 4.2.3 — 2025-06-13

1.修复无法跳转外部设置页的bug

### 4.2.2 — 2025-04-18

1、部分h5页面登录后token失效的bug修复

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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 2026-09-07.*