# 极融借款-小额信用分期借款平台 — 合规持牌贷款借钱借款软件 > Online platform for unsecured installment loans with transparent rates and high limits. (iPhone/iPad app by Dalian High-tech Park Zhongrong Credit Co., LTD.) - Source: https://appshunter.io/ios/app/id1515095186 (this page in markdown: same URL + `.md`) - Developer: [Dalian High-tech Park Zhongrong Credit Co., LTD](https://appshunter.io/developer/1477802356) - Category: Finance - Price: Free - Rating: 4.64/5 from 32,236 App Store ratings · 28 written reviews indexed - Age rating: 17+ - Requires: iOS 12.0 · 108 MB - Languages: Chinese (Simplified, China) - Released: 2021-01-06 - Data updated: 2026-09-06 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/id1515095186/reviews.md ## What is 极融借款? 【产品特点】 1、额度高：额度最高20万元 2、申请易：线上申请，无抵押 3、效率高：智能审核 4、操作易：借款进度随时可查 5、费息透明：年化利率7.2%-24%（单利），实际以审核为准 【关于我们】 极融APP运用互联网安全技术和大数据技术，基于海量用户信用数据及行为数据为有需求的用户提供方便、稳定、便捷的金融借款服务，申请方便，息费透明，年化利率7.2%-24%（单利）。 【温馨提示】 贷款额度、放款时间以实际审批结果为准； 实际放款以借款合同约定为准； 贷款有风险，借款需谨慎； 请根据个人能力合理借款，理性消费，避免逾期。 客服热线：4000627626，人工服务时间（非节假日8:00-21:00，节假日9:00-19:00） ## Key features - High loan limits up to 200,000 yuan - Easy online application, no collateral needed - Smart and efficient approval process - Real-time tracking of loan progress - Transparent annual interest rates from 7.2% to 24% ## Recent user reviews (10 of 28) All indexed reviews: https://appshunter.io/ios/app/id1515095186/reviews.md ### 5/5 — 很好很棒 *2026-06-09* 手续费超高，逾期一天就各种威胁暴力催收，如果确实没办法只能贷款请保留所有的还款记录，还有我快上岸了，真的不是万不得已咬紧牙关忍一忍打死别碰网贷 ### 1/5 — 慢慢来 *2026-01-19* 那些泛黄书页里的故事慢慢打开世界：鲁提辖拳打镇关西时为金翠莲父女买下的白绸衫（蒛米米⚡要贷莱薇'一泗七叭伍仨仨仨伍）诸葛亮借东风时船上发白的青布袍我始终没搞懂它的审批逻辑。有次我急需用钱，认真填写了所有资料，结果秒拒。过了一个月，我没什么借款需求了，它反而主动给我发短信 ### 5/5 — 很满意的 *2025-04-24* 唯一不足的就是费用比刚开始高了好多 ### 5/5 — 我很高兴,我还想用,所以你们好好考虑一下给我提升额度 *2025-04-21* 你们服务我很满意,借款不到5分钟到银行卡 ### 5/5 — 获得帮助 *2024-01-06* 真的有时候急需要用钱 我也是在这个平台借款成功两次 不说利息高低吧 只要诚信 真的能解燃眉之急 ### 1/5 — 真的垃圾 *2023-10-20* 这个软件没有别的好，就唯一一点做到了行业翘楚，很会骚扰人，三年因为好奇注册了从此命运的齿轮开始转动，平均一周打两次骚扰电话，3次短信骚扰，即使退订依然还打电话发短信骚扰真的不推荐不建议 ### 5/5 — 雪中送炭 *2023-09-27* 别的平台秒拒，我抱着试一下心态居然通过了，我的征信也不好，我自己都不敢相信。真的谢谢你们，让我解决了燃眉之急。真是雪中送炭，感谢你的信任。我也不会辜负你的信任。谢谢 ### 1/5 — 勿下，勿入 *2023-08-22* 垃圾软件借不到钱，批个额度还要花钱审核，花钱审核了，又借款失败，开个会员借款又说匹配不到资金，点个推荐借款软件，都是骗下载，骗电话号码，骗资料的，能跑到网上借钱的都是实在没办法了，但是要面对现实他们这种平台是不会把钱借给欠钱的，有逾期的人，只会浪费你时间骗你信息，借不到钱还不停的给你打电话发短信让你借钱，点进去还是老样子，依然借不到，现实想办法吧！ ### 5/5 — 无语 *2023-02-06* 都没有填写授权担保这一项，我没再走下一步，就说我征信不合格。他们是怎么查我征信的 ### 1/5 — 隐性费用不明确，合计下来利息过高！ *2022-11-17* 有个所谓的黑卡，需要开通了才能申请借款，但是开通黑卡需要费用，而且这个费用标注的非常隐秘，甚至这个费用还不是固定的，需要申请了额度后才能计算，说白了就是事先不能完全知情所有利息，手续费等费用，等你申请完才告诉你有多少费用，到时觉得不合适你也退不了，实在是不敢苟同！抖音这样是否涉嫌虚假宣传？ ## Frequently asked questions about 极融借款 ### What is the maximum loan amount offered by Jirong? Jirong offers loan amounts up to 200,000 yuan. The specific amount you are eligible for will be determined by the actual approval results. ### What are the interest rates for loans on Jirong? The annual interest rates range from 7.2% to 24% (simple interest). The actual rate applied will be based on your individual credit assessment and will be clearly stated in your loan contract. ### How long does the loan application process take with Jirong? Jirong utilizes a smart and efficient approval process. While specific times can vary, the platform is designed for speed and convenience, allowing for online applications and progress tracking. ### Is Jirong available on all devices? Currently, Jirong is supported on iPhone and iPod devices. Compatibility with other platforms may be updated in future releases. ### What is the age rating for Jirong? Jirong has an age rating of 17+. This indicates that the content and services provided are intended for users aged 17 and above. ### How often is Jirong updated? The latest version of Jirong is 5.1.0, and it was last updated on June 24, 2025. This suggests a relatively active development cycle for the application. ### Does Jirong require collateral for loans? No, Jirong offers unsecured loans, meaning no collateral is required for your application. The focus is on online application and smart, efficient审核. ### What should users be cautious about when using Jirong? Users are advised that loans carry risks and should be approached with caution. It is recommended to borrow according to personal ability, spend rationally, and avoid overdue payments. ## Version history (last 5 releases) ### 5.11.1 — 2026-07-27 优化用户界面 修复已知问题 提高用户体验 ### 5.11.0 — 2026-07-13 优化用户界面 修复已知问题 提高用户体验 ### 5.10.2 — 2026-06-30 【体验升级】借款流程更加顺畅 【新客专项】新手福利，限时优惠 ### 5.10.1 — 2026-06-15 【体验升级】借款流程更加顺畅 【新客专项】新手福利，限时优惠 ### 5.5.0 — 2025-11-20 【体验升级】借款流程更加顺畅 【新客专项】新手福利，限时优惠 ## More apps by Dalian High-tech Park Zhongrong Credit Co., LTD - [你我贷借款-正规分期贷款借钱平台](https://appshunter.io/ios/app/id1435751286) - [柚子优选](https://appshunter.io/ios/app/id1477802357) - [你我借款-信用贷款借钱平台](https://appshunter.io/ios/app/id1575174767) - [极融金选-分期贷款借钱平台](https://appshunter.io/ios/app/id1582972514) All apps by Dalian High-tech Park Zhongrong Credit Co., LTD: https://appshunter.io/developer/1477802356 --- *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 2026-09-06.*