# 还呗-信用贷款小额借款平台 — 小额贷款借钱平台

> AI-powered personal loan platform with high limits and fast disbursement. (iPhone/iPad app by Zhonghexin Financing Guarantee (Fujian) Co., Ltd..)

- Source: https://appshunter.io/ios/app/id1262209120 (this page in markdown: same URL + `.md`)
- Developer: [Zhonghexin Financing Guarantee (Fujian) Co., Ltd.](https://appshunter.io/developer/1634149791)
- Category: Finance
- Price: Free
- Rating: 4.74/5 from 4,198 App Store ratings · 71 written reviews indexed
- Age rating: 17+
- Requires: iOS 13.0 · 93 MB
- Languages: Chinese (Simplified, China)
- Released: 2017-09-04
- Data updated: 2026-09-01
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/id1262209120/reviews.md

## What is 还呗?

还呗，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。

——产品特色——
额度高：额度上限可高至20万元（以实际审批为准）
利息低：综合年化利率(单利)低至8.99%起
速度快：系统自动审批，审批通过后最快5分钟放款
更便捷：手机贷款全程线上申请，免抵押
分期选择多：3/6/12期灵活可选

——如何使用——
1、在线填写资料，申请额度
2、极速审批，获得额度
3、分期借款，可选12期慢慢还

——联系我们——
官方联系渠道：官方微信公众号——还呗（huanbei_loan）
您也可以通过还呗APP进行问题反馈，我们会及时答复

温馨提示:贷款有风险，借款需谨慎，请根据个人能力合理贷款；贷款资金由正规金融持牌放款机构提供，贷款额度、放款时间等以实际审批为准

## Key features

- High loan limits up to 200,000 yuan
- Low annual interest rates from 8.99%
- Fast approval and disbursement (as quick as 5 minutes)
- Fully online application process
- Flexible repayment options (3, 6, 12 installments)
- No collateral required

## Recent user reviews (10 of 71)

All indexed reviews: https://appshunter.io/ios/app/id1262209120/reviews.md

### 5/5 — 好

*2026-08-05*

可以随时都可以借出来这个一点，我特别满意

### 5/5 — 低谷的几年，感谢帮助你的…..

*2026-08-04*

在我最底谷的时候，小呗助我翻身！有人会说利息高，只要你控制好收益，欠债还钱天经地义！

### 1/5 — 深坑软件

*2026-08-03*

我下个月就全还完了，没有逾期了。 这两年我用的感受借呗四大优点： 1.借钱利息高，借一年12期利息百分之20多。 2.逾期一天起，直接电话轰炸，发短信说一些难听的话，至于多难听你们可以自己试试，几百块钱逾期包你能感受到人间冷暖，血压升高，尊严被践踏，甚至有种身败名裂的危机感。 3.打开软件后每天都会有基本5个，有时候10个骚扰电话，问你要不要借钱。你不耐烦的接了告诉他们不借，下一秒又来一个骚扰电话，说还呗问你要不要借钱？ 4.多次打还呗客服电话，要求不要骚扰电话，客服均说没有推销电话，而且表示处理不了，说白了就是管不了，不管。

### 5/5 — 借款不成功

*2026-08-01*

一点都不满意现在正常按时还款既然不能借款太差劲了

### 5/5 — 实用

*2026-07-31*

借平台几万块开始，现在还欠平台六千多，现在逾期三天被平台催款的威胁了，但是我也一直在还，平台是好平台，催钱的人员有的培训

### 5/5 — 还呗，套路

*2026-07-27*

有时候会这个平台害死，那个借钱，借给我们然后不能在借，每天都有很多电话和客服来烦

### 5/5 — 还呗是骗人的

*2026-07-22*

还呗这个平台是没有信用的，好不容易攒了十多万额度，一下子就没有了，你说这个平台狗不狗

### 5/5 — 退权益

*2026-07-20*

感谢你们一直以来给予帮助 但是你们现在贷款还需要开通权益179 利息本就高还要另外收费不合理哦 希望你们处理下 整改一下

### 1/5 — 口是心非、满嘴谎话、高利贷公司

*2026-07-20*

不要相信客服说的，可以去协商还款方式、还款时间，你只要开始逾期，从逾期的第一天开始，这家公司就动用第三方催债平台，短信轰炸、威胁恐吓、电话轰炸、要曝光你通讯录、要让你的父母和亲戚朋友都知道你欠钱的事情，它第一天就会干这个事，它还号称是正规的金融平台，其实跟高利贷没有区别！希望这条评论能帮助到有需要的人！

### 5/5 — 很喜欢您们的服务

*2026-07-11*

就是额度太少了，不过还是很方便的。谢谢

## Frequently asked questions about 还呗

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

还呗 offers loan amounts up to 200,000 yuan, subject to actual approval. The specific amount you are eligible for will be determined during the application process.

### What is the lowest annual interest rate for 还呗 loans?

The comprehensive annual interest rate (simple interest) for 还呗 starts as low as 8.99%. This rate is subject to individual credit assessment and loan terms.

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

After your loan is approved, 还呗 can disburse funds in as little as 5 minutes. The entire application and approval process is designed to be fast and efficient.

### What are the available repayment periods for 还呗 loans?

还呗 provides flexible installment options, allowing you to choose between 3, 6, or 12-month repayment periods. This flexibility helps users manage their loan repayments according to their financial capacity.

### Does 还呗 require collateral for loans?

No, 还呗 offers unsecured loans, meaning no collateral is required for the application. The entire loan application and management process is conducted online.

### Is 还呗 safe to use?

还呗 utilizes artificial intelligence and big data risk control technology to provide secure financial credit services. Loan funds are provided by licensed financial institutions.

### Does 还呗 have ads?

Yes, 还呗 contains advertisements. Users may encounter advertisements within the app as part of its operational model.

### What is the age rating for 还呗?

还呗 has an age rating of 17+, indicating it is intended for mature audiences. This is common for financial applications dealing with loans and credit.

## Version history (last 5 releases)

### 5.60.0 — 2026-08-06

修复已知问题，完善用户体验

### 5.59.1 — 2026-07-03

修复已知问题，完善用户体验

### 5.59.0 — 2026-07-01

修复已知问题，完善用户体验

### 5.58.0 — 2026-06-03

修复已知问题，完善用户体验

### 5.57.0 — 2026-05-14

修复已知问题，完善用户体验

## More apps by Zhonghexin Financing Guarantee (Fujian) Co., Ltd.

- [禾享贷](https://appshunter.io/ios/app/id1634149789)

All apps by Zhonghexin Financing Guarantee (Fujian) Co., Ltd.: https://appshunter.io/developer/1634149791

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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.*