# 还享花 - 还呗升级版 — 分期借钱购物平台

> Credit payment platform for borrowing and spending with flexible repayment options. (iPhone/iPad app by CHONGQING FOCUSLOAN CO., Ltd..)

- Source: https://appshunter.io/ios/app/id1469508315 (this page in markdown: same URL + `.md`)
- Developer: [CHONGQING FOCUSLOAN CO., Ltd.](https://appshunter.io/developer/1262209108)
- Category: Finance
- Price: Free
- Rating: 1.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 17+
- Requires: iOS 11.0 · 126 MB
- Languages: Chinese
- Released: 2019-07-14
- Data updated: 2026-06-10
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/id1469508315/reviews.md

## What is 还享花?

还享花是还呗的升级版，在还呗借款基础上增加了信用支付功能，满足用户先消费后还款的需求。拥有还享花，轻松实现“想借就借，想花就花”。

【想借就借】
额度至高20万，综合年化利率（单利）低至8.99%起，约3分钟放款轻松拿钱。

【想花就花】
利用还享花的专属消费额度，先消费后还款，线上线下消费均可使用。
付款方式便捷、多样，也可以用APP自带付款码进行支付。


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

- Credit payment functionality
- Borrow up to 200,000
- Low annual interest rates from 8.99%
- Fast loan disbursement (approx. 3 minutes)
- Online and offline spending
- In-app payment code

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/id1469508315/reviews.md

### 1/5 — It will cheat your money

*2019-12-30*

Be careful the app is evil so far from it

## Frequently asked questions about 还享花

### What is 还享花?

还享花 is an upgraded version of 还呗, adding credit payment functionality. It allows users to borrow money for purchases and repay later, offering a credit line up to 200,000.

### What are the interest rates for 还享花?

The comprehensive annual interest rate (simple interest) starts as low as 8.99%. Specific rates are subject to actual approval.

### How quickly can I get a loan with 还享花?

You can receive funds in approximately 3 minutes after loan approval. The app aims for fast disbursement to meet user needs.

### Can I use 还享花 for both online and offline purchases?

Yes, 还享花's exclusive credit line can be used for both online and offline consumption. You can also use the app's built-in payment code for transactions.

### What is the age rating for 还享花?

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

### Does 还享花 have ads?

Yes, 还享花 contains advertisements. This is indicated by the 'hasAds' flag in its data.

### What devices does 还享花 support?

还享花 is available on iPhone and iPod devices. It is designed for iOS users.

### When was the latest version of 还享花 released?

The latest version, 3.29.0, was last updated on February 18, 2025. This indicates regular updates to the application.

## Version history (last 5 releases)

### 3.29.0 — 2025-02-18

优化产品体验，申请更便捷

### 3.28.0 — 2024-11-14

优化产品体验，申请更便捷

### 3.27.0 — 2024-09-18

视觉体验优化，修复已知问题

### 3.26.0 — 2024-06-25

视觉体验优化，修复已知问题

### 3.24.0 — 2024-04-23

优化产品体验，申请更便捷

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## More apps by CHONGQING FOCUSLOAN CO., Ltd.

- [小店邦](https://appshunter.io/ios/app/id1262209109)

All apps by CHONGQING FOCUSLOAN CO., Ltd.: https://appshunter.io/developer/1262209108

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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 2026-06-10.*