# 携程金融-信用贷款分期旅行 — 携程旅行旗下金融服务平台

> Secure and fast financial technology services for borrowing and installment payments. (iPhone/iPad app by 携程科技(上海)有限公司.)

- Source: https://appshunter.io/ios/app/id1388731823 (this page in markdown: same URL + `.md`)
- Developer: [携程科技(上海)有限公司](https://appshunter.io/developer/1536863125)
- Category: Finance
- Price: Free
- Rating: 4.87/5 from 69,326 App Store ratings · 25 written reviews indexed
- Age rating: 17+
- Requires: iOS 13.0 · 135 MB
- Languages: Chinese
- Released: 2018-06-23
- Data updated: 2026-09-07
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/id1388731823/reviews.md

## What is 携程金融?

携程旗下金融服务平台,致力于帮助用户解决关于“钱”的问题，提供高效、便捷的金融科技服务。
产品优势：
【便捷借钱】至高可借20万，审批便捷
【息费透明】年化利率（单利）3.6%-24%
【新人福利】信用贷新用户借款，有机会享0息费免费借10天
【场景分期】拿去花|信用购，先消费后还款
【分期贷款】3期免息预订酒店，订机票门票有机会享免息
【携程品牌】携程旗下，信息加密放款有保障，为您提供全程保护

市场有风险，理财需谨慎
贷款额度、放款时间、通过率等以实际审批为准，贷款有风险，借款需谨慎，请根据个人能力合理贷款
欢迎微信关注“携程金融服务号”，更多福利活动等你来玩。

## Key features

- Convenient borrowing up to 200,000
- New user interest-free trial
- Installment payments for purchases
- Interest-free travel bookings
- Secure, encrypted transactions
- Transparent fees and charges

## Recent user reviews (10 of 25)

All indexed reviews: https://appshunter.io/ios/app/id1388731823/reviews.md

### 1/5 — 差

*2025-10-01*

不能取消綁定

### 5/5 — 当天下款，利息低，平台正规

*2022-05-20*

靠谱的借款平台，批款速度天很快，填了资料，很快就有借款机构给我打电话，顺利拿到钱，真是帮了我大忙了啊棒棒的，把资料填完之后真的能借到钱，这个软件还是很赞的，好东西不等待，青春也不等待。

### 5/5 — 感谢携程金融

*2022-01-01*

本人因做工程机械，偶尔需要垫资，一直都在用携程金融，这么多年了，每次都是在我最难的时候，携程金融一直陪伴帮我我，更像一个一言不发的老友，只有支持与帮助，从来不谈亏欠，谢谢

### 5/5 — 好评

*2021-12-08*

非常好用的平台，订票订酒店这几年来一直都是习惯用这个平台，希望平台越做越好，方便大家使用。

### 1/5 — 高利贷公司

*2021-08-25*

携程金融 高利贷软件 恶意套路 利息 恶意催债 恐吓 人身攻击 誰用谁倒霉 等着被天收吧

### 1/5 — 催还态度极差

*2021-08-09*

借钱肯定是有需要才借钱吧，有时周转不过来逾期也是正常，甚至也是我这边的错，我也一直配合，道出原因给出有效还款时间，但是其催还人员那种阴阳怪气的语气加命令式的态度真的极差，找客服投诉甚至都不肯承认，我只是要一个承认这个员工态度问题而不是说我在说谎污蔑他，但客服只是一味让我拿出凭证，相试问谁会每个电话都录音？如果沟通态度好我这边理亏我难道还投诉？真的不会有下次借了，叫上朋友也拉黑，还完马上删，一秒不想看到，希望其他人不会被这样恶心到

### 5/5 — 骗人信息而且授权书要求无论放款是否成功他们有权保留申请人个人身份信息五年的霸王条款

*2021-02-17*

垃圾垃圾！申请失败还无法注销个人信息

### 1/5 — 余额充足但自动还款失败导致逾期影响征信

*2021-02-05, version 2.2.5*

经常卡里余额充足但自动还款失败导致被逾期、影响征信

### 5/5 — 不能循环使用，

*2021-02-02*

说好可以循环使用，但是还各种省批，不通过，没有扣款成功各种电话各种打，自主在规定时间内自助还款不行吗，还要上征信，最主要信用好，提额了。就是不给借，各种资料，

### 5/5 — 安全可靠，省钱专家

*2021-01-04*

每次出行住酒店都比较方便

## Frequently asked questions about 携程金融

### What is the maximum loan amount for 携程金融?

携程金融 offers a maximum borrowing amount of up to 200,000. Loan amounts, disbursement times, and approval rates are subject to actual review and approval.

### Does 携程金融 offer interest-free options?

Yes, new credit loan users may enjoy a 10-day interest-free period. Additionally, '拿去花|信用购' offers up to 40 days interest-free, and there are opportunities for interest-free hotel bookings and flight/ticket reservations.

### Is 携程金融 safe to use?

As a financial service platform under Ctrip, 携程金融 emphasizes security with encrypted information and guaranteed fund disbursement. The app is rated 4.5 stars from 43 ratings, indicating positive user sentiment regarding its services.

### What devices support 携程金融?

携程金融 is available on iPhone and iPod devices. The app was last updated on 2025-12-11 to version 3.6.7.

### What is the age rating for 携程金融?

携程金融 has an age rating of 17+, suggesting it is intended for adult users due to its financial services.

### Does 携程金融 have ads?

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

### How can I get more information or updates from 携程金融?

You can follow the official WeChat account '携程金融服务号' to receive the latest welfare activities and updates. The app was first released on 2018-12-05.

### What is the pricing for 携程金融?

携程金融 is available for free. There are no in-app purchases mentioned, and the primary monetization appears to be through advertisements.

## Version history (last 5 releases)

### 3.7.0 — 2026-04-03

优化多项产品功能，流程更合规，邀请您体验~

### 3.6.7 — 2025-12-11

界面性能优化，操作体验更刘畅

### 3.6.6 — 2025-09-16

优化登陆流程
操作更加便捷

### 3.6.5 — 2025-07-11

更新详情页介绍

### 3.6.4 — 2025-06-26

最新服务内容，介绍更清晰

## More apps by 携程科技(上海)有限公司

- [携程借款-小额贷款平台](https://appshunter.io/ios/app/id1536863123)

All apps by 携程科技(上海)有限公司: https://appshunter.io/developer/1536863125

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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.*