# 洋钱罐借款 - 分期贷款借钱平台 — 最高可借20万

> Mobile platform for personal installment loans with flexible terms and high borrowing limits. (iPhone/iPad app by Beijing Lingyue Information Technology Co. Ltd..)

- Source: https://appshunter.io/ios/app/id1410049631 (this page in markdown: same URL + `.md`)
- Developer: [Beijing Lingyue Information Technology Co. Ltd.](https://appshunter.io/developer/1052663958)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 521 App Store ratings · 53 written reviews indexed
- Age rating: 17+
- Requires: iOS 13.0 · 84 MB
- Languages: American English, Chinese (Simplified, China)
- Released: 2018-08-03
- Data updated: 2026-08-29
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/id1410049631/reviews.md

## What is 洋钱罐借款?

洋钱罐借款致力于通过科技提高金融服务的品质与效率，实现“科技助力金融机构 智慧改变信用生活”的使命，为有需求的用户提供方便、稳定、便捷的金融借款服务，可以分6-12期还款。申请便捷，全程手机操作！

【洋钱罐借款5大优势】
【额度高】最高额度至20万！
【放款快】借款流程简单，在线自动化审批，到账时间5分钟起！
【分期长】6-12个月分期还款，无抵押贷款！
【息费透明】年化综合息费率（单利）7.2%起（以审核为准）！
【安全保障】多重隐私保护措施，防止信息泄露！

温馨提示：
1.贷款有风险，借款需谨慎，请根据个人经济能力合理贷款，合理消费，避免逾期；
2.贷款额度、利率、放款时间以实际审核为准。
3.洋钱罐借款为网络借贷信息中介服务平台，将严格遵守有关法律法规。请您务必提供真实申请资料。

【联系我们】
客服电话：400-034-6868

## Key features

- High loan limits up to 200,000
- Fast disbursement, starting from 5 minutes
- 6-12 month installment repayment
- Transparent annualized interest rates starting from 7.2%
- Secure privacy protection measures
- Fully mobile application process

## What do users think of 洋钱罐借款?

Overall sentiment: negative

**Pros**

- 🚀 Fast loan disbursement
- 👍 Simple application process
- 👍 Convenient and practical
- 👍 Efficient approval process
- 👍 Low interest rates (mentioned by some)
- 👍 Clean interface
- 👍 High credit limits (mentioned by some)
- 👍 Trustworthy platform (mentioned by some)
- 👍 Quick loan approval
- 👍 Reasonable interest rates (mentioned by some)
- 👍 No hidden fees (mentioned by some)
- 👍 Solves financial crises
- 👍 Reliable for small businesses
- 👍 Good customer service (mentioned by some)

**Cons**

-  predatory interest rates
- 📞 Excessive marketing calls
- 💸 Unfair charges
- 🚫 Customer service unresponsive
- 🔒 Privacy concerns and data selling
- 📈 High interest rates
- 📉 Excessive credit checks
- 🗑️ Scam application
- 😠 Poor customer service attitude
- 🚨 Over-marketing and excessive inquiries
- ⚠️ Information leakage
- 📞 Aggressive collection tactics
- 💰 High service fees
- 📱 Over-reliance on phone contacts
- 🦹‍♂️ Rogue software
- 👎 Terrible user experience
- 💸 High fees and interest
- 📞 Constant marketing calls and messages
- 🕵️‍♂️ Data harvesting
- 🚨 Over-promotion and spam

**Commonly reported bugs**

- Verification codes not received for cancellation
- App crashes or freezes
- Inability to borrow after submitting all information
- System robot calls are frequent
- Difficulty in repayment through multiple channels

**Most requested features**

- Improve customer service responsiveness
- Add more repayment options
- Reduce marketing messages
- Allow easier account cancellation
- Improve credit check process to avoid wasting user time
- Offer higher credit limits for repeat users
- Provide clearer information on fees and interest

## Recent user reviews (10 of 53)

All indexed reviews: https://appshunter.io/ios/app/id1410049631/reviews.md

### 1/5 — 垃圾

*2026-04-11, version 4.27.0*

骗了我八万，还好报警寻求帮助要回来了，不然我不知道该怎办活下去

### 1/5 — 难用

*2026-03-28, version 4.27.0*

霸王条款，骚扰电话多，垃圾应用

### 5/5 — 借款秒到账

*2026-01-14, version 4.27.0*

手续简单实用方便

### 1/5 — 太坑了

*2025-12-27, version 4.27.0*

莫名其妙就扣了什么小额会员结果打电话客服永远没人接！真的是退钱都没门路！

### 1/5 — 乱扣费

*2025-12-05, version 4.27.0*

乱扣费

### 1/5 — 騷擾電話太多

*2025-10-26, version 4.27.0*

骚拢电话太多

### 1/5 — 网贷平台 超高利率 一天催5次

*2025-08-06, version 4.27.0*

用过的最差的没有之一，怪不得他们招人都招不到，且评论只有一条，原来都屏蔽了

### 1/5 — 利息高

*2025-07-10, version 4.27.0*

利息很高 轻易不要借款

### 1/5 — 借款

*2025-07-06, version 4.27.0*

垃圾平台  上面显示有额度   点进去借钱，起码要查10征信，把征信都查花了。然后告诉你借款失败。   建议用别的平台

### 1/5 — 垃圾平台

*2025-05-21, version 4.27.0*

真的垃圾得要死

## Frequently asked questions about 洋钱罐借款

### What is this app for?

This app is a financial loan platform that provides convenient and stable borrowing services. It allows users to apply for personal loans and repay them in installments over 6 to 12 months, all through a mobile application.

### What are the main features of this loan app?

Key features include high loan limits of up to 200,000, fast disbursement times starting from 5 minutes, flexible installment repayment options from 6 to 12 months, transparent annualized interest rates starting at 7.2%, and robust security measures for privacy protection.

### How much can I borrow and what are the repayment terms?

You can borrow up to 200,000. The repayment terms are flexible, allowing you to choose between 6 to 12 month installments. The specific loan amount, interest rate, and disbursement time are subject to actual review.

### Is this app available on all mobile devices?

The description emphasizes a 'fully mobile application process' and 'all mobile operations', suggesting it is designed for smartphone users. Compatibility with specific operating systems (iOS/Android) is not explicitly stated but implied for mobile use.

### What are the risks associated with using this loan app?

The app advises that loans carry risks and encourages users to borrow cautiously based on their personal financial capacity, spend reasonably, and avoid overdue payments. It also stresses the importance of providing truthful application information.

## Version history (last 5 releases)

### 4.27.0 — 2024-11-06

修复已知问题，优化用户体验

### 4.26.0 — 2024-10-16

修复已知问题，优化用户体验

### 4.25.0 — 2024-09-11

修复已知问题，提高用户体验

### 4.24.0 — 2024-08-21

修复已知问题，优化用户体验

### 4.23.0 — 2024-08-07

修复已知问题，优化用户体验

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## More apps by Beijing Lingyue Information Technology Co. Ltd.

- [洋钱罐理财 - 白领身边的理财专家](https://appshunter.io/ios/app/id1052663960)

All apps by Beijing Lingyue Information Technology Co. Ltd.: https://appshunter.io/developer/1052663958

## Related topics

[分期乐](https://appshunter.io/ios/topics/分期乐) · [贷款](https://appshunter.io/ios/topics/贷款) · [借钱](https://appshunter.io/ios/topics/借钱)

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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 2026-08-29.*