# 省呗-正规信用贷款分期借钱平台 — 低息小额手机信用现金借款合规平台

> AI-powered platform for fast, low-interest personal loans and credit lines. (iPhone/iPad app by 深圳小禾金融服务管理有限公司.)

- Source: https://appshunter.io/ios/app/id1194313045 (this page in markdown: same URL + `.md`)
- Developer: [深圳小禾金融服务管理有限公司](https://appshunter.io/developer/1227700909)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 3.40/5 from 74,745 App Store ratings · 32 written reviews indexed
- Age rating: 17+
- Requires: iOS 9.0 · 160 MB
- Languages: Chinese (Simplified, China)
- Released: 2017-01-21
- Data updated: 2026-09-01
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/id1194313045/reviews.md

## What is 省呗?

【品牌视觉焕新】
省呗logo更新，将原 “省” 字图标正式升级为 “省呗”，新版APP现已上线！焕新出发，让金融更温暖。

【产品介绍】
省呗成立于2015年，由深圳无域科技技术有限公司开发运营，利用人工智能和大数据风控技术，为用户提供方便、快捷、安全的金融信贷服务，超1.3亿用户选择。

【产品特点】
1、 7*24h线上申请，无需面签，随用随借；
2、放款速度快，审批通过后快至 3 分钟放款，手机借款更便捷；
3、息费透明：综合年化利率（单利）5%起；
4、操作便捷：借还灵活，凭手机号和身份证信息在线申请，可分12期；
5、安全借款：多项安全认证，保护用户个人信息，筑起隐私保护坚实防线。

【新人免息规则】
1、活动时间：即日起-2026年12月31日；
2、活动对象：在活动时间内首次完成注册的用户；
3、活动内容：新人专享最长30天免息优惠券；
注：免息优惠券的具体使用规则以省呗APP内展示规则为准。

【温馨提示】
1、贷款额度、放款时间、适用利率等均以实际审批结果及合同约定为准。
2、借贷有风险，借款需谨慎。请您根据自身实际需求及还款能力合理规划借款，理性消费，按时还款，避免逾期影响个人信用。

【联系我们】
官方微信公众号：省呗官方
客服中心：您可通过微信公众号 “小省在线” 咨询相关问题，客服将为您提供专业解答。
客服电话：400-000-1564

## Key features

- AI and big data risk control
- 24/7 online application
- Up to 200,000 yuan credit limit
- Disbursement as fast as 3 minutes
- Transparent annual interest rates from 5%
- Flexible repayment up to 12 installments
- Secure data protection

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 省呗会员半年卡 | $46.99 | one-time |


## Recent user reviews (10 of 32)

All indexed reviews: https://appshunter.io/ios/app/id1194313045/reviews.md

### 5/5 — 借款还行

*2025-05-29*

放款速度挺快，还可以吧，会继续用

### 1/5 — 利息太高

*2025-04-26*

不许提前结清

### 1/5 — 就是骗会员费的

*2024-12-14*

千万不要相信

### 1/5 — 垃圾软件操他妈的狗逼骗子

*2024-10-10*

狗逼软件

### 1/5 — 垃圾

*2024-06-14*

垃圾软件，骗钱

### 1/5 — 利息相当高！！！！！

*2023-10-23*

额度是挺多的，借2W你让我还24000？是你脑子坏了，还是我有病？

### 1/5 — 骗取个人信息的诈骗平台

*2023-10-20*

禁止注销，骗取个人资料，没有客服

### 1/5 — 利息很高，千万别碰，谁碰谁倒霉

*2023-02-09, version 8.20.0*

利息，费用都很高，我不晓得国家是怎么通过的，年划36%利息！操…

### 1/5 — 引导消费

*2022-07-24*

放款极慢，各种引导消费。

### 1/5 — 坑暖宝宝

*2022-04-05*

我本来在美团外卖App冲话费的，结果被引导到这里来了。。。结果发现各种套路充钱，劝谨慎充钱，另外对美团也谨慎点吧。

## Frequently asked questions about 省呗

### What is the minimum annual interest rate for 省呗 loans?

The comprehensive annual interest rate (simple interest) for 省呗 starts from 5%. For example, borrowing 10,000 yuan for one year incurs a daily interest of 0.8 yuan.

### How quickly can I receive funds after approval with 省呗?

省呗 offers fast disbursement, with funds available as quickly as 3 minutes after approval. The loan process is designed to be simple and quick.

### What is the maximum loan amount available through 省呗?

Upon approval, users can access a credit line of up to 200,000 yuan. This credit line can be used repeatedly after initial authorization.

### Does 省呗 have ads?

Yes, 省呗 contains advertisements. Users may encounter ads within the application interface.

### What is the age rating for 省呗?

省呗 is rated 17+ by app stores, indicating it is intended for mature audiences.

### How often is 省呗 updated?

The latest version of 省呗 is 10.2.0, and it was last updated on May 27, 2025. This suggests a relatively frequent update schedule.

### What repayment terms does 省呗 offer?

省呗 allows for flexible repayment, with options to split payments over a maximum of 12 installments.

### What devices are supported by 省呗?

省呗 is available for iPhone and iPod devices.

## Version history (last 5 releases)

### 11.5.0 — 2026-08-26

1.提升操作体验
2.部分功能修复，增强App稳定性

### 11.4.1 — 2026-08-03

1.提升操作体验
2.部分功能修复，增强App稳定性

### 11.4.0 — 2026-07-29

1.提升操作体验
2.部分功能修复，增强App稳定性

### 11.3.0 — 2026-07-06

1.提升操作体验
2.部分功能修复，增强App稳定性

### 11.2.1 — 2026-06-12

1.提升操作体验
2.部分功能修复，增强App稳定性

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## More apps by 深圳小禾金融服务管理有限公司

- [省呗优享版](https://appshunter.io/ios/app/id6443483884)

All apps by 深圳小禾金融服务管理有限公司: https://appshunter.io/developer/1227700909

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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 2026-09-01.*