# 消邦 - 信用贷款极速借钱平台

> Online credit loan platform for fast, flexible, and transparent personal financing. (iPhone/iPad app by Bank of Hangzhou Consumer Finance Co.,Ltd..)

- Source: https://appshunter.io/ios/app/id1460979360 (this page in markdown: same URL + `.md`)
- Developer: [Bank of Hangzhou Consumer Finance Co.,Ltd.](https://appshunter.io/developer/1146743646)
- Category: Finance
- Price: Free
- Age rating: 17+
- Requires: iOS 11.0 · 59 MB
- Languages: Chinese
- Released: 2019-06-14
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/id1460979360/reviews.md

## What is 消邦?

1、应用介绍：
消邦App是杭银消费金融股份有限公司官方推出的一款信用贷款产品，提供安全、智能、便捷的消费信贷服务：凭身份证即可在线申请，额度高至20万元。

2、平台介绍
杭银消费金融股份有限公司：由杭州银行联合滴滴、中国银泰等知名企业组建的持牌消费金融机构。
我们致力为您提供专业、高效、便捷、安全可信赖的金融服务。

3、产品优势
【方便快捷】凭身份证线上申请，纯信用、无抵押
【息费透明】借款前还款试算，还款金额一目了然
【灵活用款】额度 循环使用 ， 用款期限自由选择

4、联系我们
官方网站：www.51xf.cn
官方热线：4008689966
微信公众号：杭银消金
支付宝生活号：杭银消费金融

5、温馨提示
1.杭银消费金融股份有限公司未授权任何中介机构和个人代理贷款业务，也不收取申请及提款费用，请广大消费者警惕虚假宣传。
2.请根据个人能力合理贷款，理性消费，避免逾期。

## Key features

- Online credit loan application
- High loan limits up to 200,000 RMB
- Pure credit, no collateral required
- Transparent fee calculation
- Flexible loan terms and usage
- Secure and reliable financial services

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/id1460979360/reviews.md

### 1/5 — fjskfjjc

*2020-07-15, version 1.2.8*

gkskfjsk想去银行贷款买房买车。资金压力大长期各类购物额度取现。 花呗，白条，信用卡，分期乐等等一切购物额度取现伽企鹅7419494安全可靠

## Frequently asked questions about 消邦

### What is 消邦?

消邦 is a credit loan product officially launched by Hangyin Consumer Finance Co., Ltd. It offers secure, intelligent, and convenient consumer credit services, allowing online applications with just an ID card for loan limits up to 200,000 RMB.

### How do I apply for a loan with 消邦?

You can apply for a loan online using only your ID card. The process is designed to be convenient and fast, requiring no collateral.

### Are the fees and interest rates transparent on 消邦?

Yes, 消邦 emphasizes transparent fees. You can use the repayment calculator before borrowing to see the exact repayment amount, making it clear at a glance.

### Can I use the loan amount flexibly with 消邦?

Yes, 消邦 offers flexible loan usage. The credit limit can be used repeatedly, and you have the freedom to choose your loan term.

### Is 消邦 safe and reliable?

消邦 is provided by Hangyin Consumer Finance Co., Ltd., a licensed consumer finance institution formed by Hangzhou Bank and other well-known enterprises. They are committed to providing professional, efficient, convenient, and trustworthy financial services.

### Does 消邦 charge any application or withdrawal fees?

Hangyin Consumer Finance Co., Ltd. has not authorized any intermediary agencies or individuals to act as loan agents. They do not charge application or withdrawal fees. Consumers are warned to be vigilant against false advertising.

### What is the age rating for 消邦?

The app has an age rating of 17+, indicating it is intended for mature users.

### How often is 消邦 updated?

The app was last updated on October 25, 2023, with version 1.8.8. This indicates regular updates to maintain functionality and security.

## Version history (last 5 releases)

### 1.8.8 — 2023-10-25

优化用户体验，修复已知问题。

### 1.8.7 — 2023-08-21

修复已知问题，优化用户体验。

### 1.8.6 — 2023-07-31

优化用户体验！

### 1.8.5 — 2023-05-31

修复已知问题，优化用户体验。

### 1.8.3 — 2023-04-19

优化用户体验。

## Apps similar to 消邦

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [马上分期贷款-分期贷款小额借钱平台](https://appshunter.io/ios/app/id1585923863) | 5.0 (6) | Free | Finance |
| [任意花—极速借钱贷款平台](https://appshunter.io/ios/app/id1495012987) | 3.0 (2) | Free | Finance |
| [吉享花-贷款借钱平台](https://appshunter.io/ios/app/id1509198044) | 5.0 (1) | Free | Finance |
| [钱小乐—信用贷款分期借钱平台](https://appshunter.io/ios/app/id1455814939) | 1.0 (1) | Free | Finance |
| [360借条-分期借款手机借钱借贷贷款平台](https://appshunter.io/ios/app/360/id1623571691) | 4.7 (50,036) | Free | Finance |
| [魔借-小额借款平台](https://appshunter.io/ios/app/id1197956810) | 3.0 (4) | Free | Finance |

---

*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 2026-06-10.*