# 有钱花-信用借款正规分期借钱平台 — 借钱利息真便宜

> Online platform for personal loans with fast approval and disbursement. (iPhone/iPad app by Chongqing Duxiaoman Information Technology Co.Ltd.)

- Source: https://appshunter.io/ios/app/id1393951223 (this page in markdown: same URL + `.md`)
- Developer: [Chongqing Duxiaoman Information Technology Co.Ltd](https://appshunter.io/developer/1574648048)
- Category: Finance
- Price: Free
- Rating: 4.27/5 from 97,850 App Store ratings · 35 written reviews indexed
- Age rating: 17+
- Requires: iOS 11.0 · 188 MB
- Languages: Chinese (Simplified, China)
- Released: 2018-07-31
- Data updated: 2026-09-01
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/id1393951223/reviews.md

## What is 有钱花?

【产品优势】
1、贷款额度高：最高可至20万元(以实际审批为准)。
2、息费透明：年化利率6.6%起，支持多种还款途径，最长可分24期。
3、审批放款速度快：在线申请，最快30秒审批，最快1分钟到账。
4、借款安全：个人信息全程加密，为您提供全程保护。

温馨提示：
借贷有风险，选择需谨慎。具体贷款利率、额度、期限以实际审批为准(年化利率区间6.6%-24%)，资金来源：重庆度小满小额贷款有限公司及合作金融机构。

## Key features

- High loan limits up to 200,000 RMB
- Transparent interest rates from 6.6% APR
- Flexible repayment up to 24 months
- Fast online application and approval
- Quick fund disbursement
- Secure personal information encryption

## Recent user reviews (10 of 35)

All indexed reviews: https://appshunter.io/ios/app/id1393951223/reviews.md

### 1/5 — 虚假宣传，电话骚扰，已经12315投诉

*2025-04-25*

虚假宣传，电话承诺20W额度及万2的利率，要求你激活，过了你的银行流水，他们刷完征信之后，依然给不到，你如果用就是高利贷，不然就不用，征信白白被骗刷！无良商家，大家避雷

**Developer response:** 您好，非常理解您的心情，有钱花作为正规信贷服务平台，贷款提供方均为持牌机构，因此会不定期对客户进行多维度综合评估，更新用户的综合评级。若您不满意目前的额度或利率，建议您耐心等待一段时间，近期不要频繁操作，系统会不定期更新您的综合评级，建议您过一段时间再次尝试，给您带来的不便深感抱歉。您可以随时致电95055官方客服转1咨询客服。

### 5/5 — 借到了

*2024-01-29*

非常感谢，非常感谢

### 1/5 — 最垃圾的平台

*2023-07-05*

坑的不能再坑的了

### 1/5 — 垃圾

*2021-07-18, version 5.2.0*

垃圾APP 验证短信一大堆 狗屎

### 1/5 — 垃圾 注销还保留实名信息

*2020-11-01, version 4.8.2*

Cao nI ma 垃圾玩意乱你吗的收集信息 注销后竟然还保留着实名信息 还不是我本人手机号码 别人的手机加个验证码就可以登陆上实名是我的 草 你妈 这就是说别人用我的名借款吗

### 1/5 — 百度司马

*2020-08-13*

没钱就别做活动，我50多的待提现金额你跟我说要实名认证？滚吧脑瘫

### 1/5 — 垃圾

*2020-08-09*

垃圾软件，欺骗消费者，恶心至极，提现你🐴呢

### 1/5 — 利率高，提前还款有违约金

*2020-05-12*

要借钱还是找支付宝或招银等正规机构吧，百度吃相更难看。
利率太高，而且随借随还有巨额违约金

### 5/5 — 提现根本不可能，需要你借钱才能 典型钓鱼诈骗

*2020-03-18*

不说恶毒的话了 希望你不能提现至少把活动关了 不要恶心人，谢谢

### 1/5 — 套路贷诈骗

*2020-03-15*

典型的套路贷诈骗，大家千万别信

## Frequently asked questions about 有钱花

### What is the maximum loan amount available on Youqianhua?

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

### What are the interest rates and repayment terms for loans on Youqianhua?

Interest rates start at an annualized rate of 6.6% and can go up to 24%. You can choose repayment terms of up to 24 months. The exact rate, amount, and term are determined by your individual approval.

### How quickly can I get approved and receive funds from Youqianhua?

Youqianhua boasts a fast approval process, with applications potentially being approved in as little as 30 seconds. Funds can be disbursed to your account in as little as 1 minute after approval.

### Is my personal information secure when using Youqianhua?

Yes, Youqianhua prioritizes security by encrypting your personal information throughout the entire process, providing comprehensive protection for your data.

### What is the age rating for Youqianhua?

Youqianhua is rated 17+ by app stores, indicating it is intended for mature audiences due to its financial services.

### How often is Youqianhua updated?

The app was last updated on May 16, 2025, with version 8.9.0. This indicates a relatively active development cycle, suggesting regular updates for improvements and bug fixes.

### What devices are supported by Youqianhua?

Youqianhua is available on iPhones and iPods. It is not explicitly mentioned as being available on Android devices or tablets.

### What is the user sentiment for Youqianhua based on its rating?

Youqianhua has a rating of 2.3 stars from 56 ratings. This suggests that a significant portion of users have had a negative experience or are dissatisfied with the service.

## Version history (last 5 releases)

### 9.9.5 — 2026-08-21

【借钱贷款】界面性能优化，操作体验更流畅！
【贷款平台】优化细节问题，操作服务更贴心！

### 9.9.2 — 2026-07-22

【借钱贷款】界面性能优化，操作体验更流畅！
【贷款平台】优化细节问题，操作服务更贴心！

### 9.9.0 — 2026-07-13

【借钱贷款】界面性能优化，操作体验更流畅！
【贷款平台】优化细节问题，操作服务更贴心！

### 9.8.5 — 2026-06-29

【借钱贷款】界面性能优化，操作体验更流畅！
【贷款平台】优化细节问题，操作服务更贴心！

### 9.8.0 — 2026-06-10

【借钱贷款】界面性能优化，操作体验更流畅！
【贷款平台】优化细节问题，操作服务更贴心！

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All apps by Chongqing Duxiaoman Information Technology Co.Ltd: https://appshunter.io/developer/1574648048

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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.*