# 中信消费金融-信用贷款分期借款平台

> Online consumer loans with high limits and flexible repayment from a licensed institution. (iPhone/iPad app by 中信消费金融有限公司.)

- Source: https://appshunter.io/ios/app/id1513276650 (this page in markdown: same URL + `.md`)
- Developer: [中信消费金融有限公司](https://appshunter.io/developer/1513276649)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 2.33/5 from 3 App Store ratings · 20 written reviews indexed
- Age rating: 17+
- Requires: iOS 12.0 · 200 MB
- Languages: Chinese (Simplified, China)
- Released: 2021-07-27
- Data updated: 2026-09-03
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/id1513276650/reviews.md

## What is 中信消费金融?

中信消金——凭身份证等材料在线申请！额度高至20万元！支持多种分期，额度灵活！
【平台介绍】
中信消费金融旗下消费贷款产品
中信消金：中信消费金融有限公司是中国银保监会批准成立的全国第24家持牌消费金融机构，公司于2019年6月正式获批开业，注册资本金7亿元，股东为中国中信金融控股有限公司，金蝶软件（中国）有限公司。
【产品优势】
1.申请简便、在线申请、无抵押、审批快
2.贷款额度可高至20万元（以实际审批为准）
3.息费透明、还款灵活，年化利率低至4.8%，支持多种还款途径
【联系我们】
微信关注 “中信消费金融服务号”，查询、借还款操作更便捷！
官方网站：https://www.eciticcfc.com/
官方客服电话：400-01-95558（每日 9：00-21:00）
【风险提示】
* 具体活动以活动页面展示规则为准。
* 贷款需谨慎，违约有风险。
* 贷款是否成功、贷款额度、利息以实际审批为准。
* 为审慎评估借款人的还款能力，确定借款人的信用等级和授信方案，我司将根据监管部门规定，在获取您的授权后查询征信信息。
* 我司贷款资金不得用于贷款资金不得用于：
（1）购房及偿还住房抵押贷款；
（2）购车；
（3）股票、债券、期货、金融衍生产品和资产管理产品等投资；
（4）固定资产、股本权益性投资；
（5）经营活动；
* 请根据个人能力合理贷款，理性消费，避免逾期。

## Key features

- Online application with ID
- Loan limits up to 200,000 yuan
- Multiple installment options
- Annual interest rate as low as 4.8%
- Transparent fees and flexible repayment
- No collateral required

## Recent user reviews (10 of 20)

All indexed reviews: https://appshunter.io/ios/app/id1513276650/reviews.md

### 1/5 — 还完骚扰我

*2026-08-04*

钱已还完，还在发短信骚扰我

### 1/5 — 骗人头

*2024-01-26*

借不了你发啥短信一条条发短信不停，登录一看秒拒。骗人头的别被骗了大家

### 5/5 — 能下款

*2023-12-04*

发短信说有3万多额度，其实不是很相信，试了一下，结果额度只有一半，不过也挺好的，立马有工作人员打电话过来核实，然后成功下款了。就是跟评论区说的一样， 不能循环用，只能借一次。

### 1/5 — 严重怀疑骗资料的

*2023-10-14*

资料都还没填完，刚填到联系人那个地方，就收到审核不通过的短信。

### 1/5 — 骗人的

*2023-10-04*

资料还没填完就拒绝了😂骗资料的吧

### 1/5 — 垃圾

*2023-09-23*

垃圾软件，骗子，让你注册，就想要你的电话号码，注册以后各种贷款公司打你电话，什么还呗，信用飞，省呗，一天一堆骚扰电话。

### 1/5 — 浪费时间一分下不来

*2023-09-07*

一分下不来

### 1/5 — 垃圾平台不要信

*2023-08-23*

给我打电话，发短信说我资质好，额度可以达到10万，我去申请直接不给通过，打客服电话，给我5000额度，害我浪费一次机会，你们说这是不是骗子

### 1/5 — 真的lalaji的软件

*2023-08-23*

好歹让我绑定完银行卡在拒绝哇
🈶叠深没人🐏的玩意

### 1/5 — 垃圾

*2023-08-19*

和别人评论的一样  还没绑定银行卡呢就直接拒了

## Frequently asked questions about 中信消费金融

### What is the minimum age to use 中信消费金融?

The app is rated 17+ for age appropriateness, indicating it is intended for users aged 17 and older.

### How much can I borrow with 中信消费金融?

You can apply for loan amounts up to 200,000 yuan, though the final approved amount will depend on your individual assessment.

### What is the annual interest rate for loans on 中信消费金融?

The platform advertises annual interest rates as low as 4.8%, with specific rates determined by your credit assessment and loan terms.

### Is 中信消费金融 available on Android devices?

Based on the provided data, the app is currently supported on iPhone and iPod devices. Android compatibility is not specified.

### How often is 中信消费金融 updated?

The app was last updated on August 1, 2025, with the latest version being 2.3.2. This suggests a relatively recent update cycle.

### Does 中信消费金融 have ads?

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

### What is the user sentiment for 中信消费金融?

The app has a rating of 2.3 stars from 3 ratings, suggesting a generally negative user sentiment based on the limited feedback available.

### What kind of loans does 中信消费金融 offer?

中信消费金融 offers consumer loans with high limits and flexible installment options, requiring only ID and other materials for online application.

## Version history (last 5 releases)

### 3.3.0 — 2026-07-30

提升性能，丝滑流畅

### 3.2.8 — 2026-07-29

提升性能，丝滑流畅

### 3.2.5 — 2026-07-06

提升产品性能，优化体验

### 3.2.2 — 2026-05-27

提升产品性能，优化用户体验

### 3.1.6 — 2026-04-03

此次的 Apple 更新将会改善该 App 的功能。 未包括任何新功能。

提升产品性能，优化使用体验

---

*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 2026-09-03.*