# 奇富周转灵-大额低息经营周转贷款借钱平台 — 奇富科技(原360数科)旗下经营周转品牌 > AI-powered loan platform for individuals and small businesses. (iPhone/iPad app by Fuzhou Qifu Online Microcredit Co., Ltd.) - Source: https://appshunter.io/ios/app/id1564047089 (this page in markdown: same URL + `.md`) - Developer: [Fuzhou Qifu Online Microcredit Co., Ltd](https://appshunter.io/developer/1273977632) - Category: Finance - Price: Free - Rating: 3.67/5 from 3 App Store ratings · 21 written reviews indexed - Age rating: 17+ - Requires: iOS 13.0 · 90 MB - Languages: Chinese (Simplified, China) - Released: 2021-05-13 - Data updated: 2026-08-21 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/id1564047089/reviews.md ## What is 奇富周转灵? 【产品介绍】 "奇富周转灵"是奇富科技旗下服务小微企业主及个人的信贷科技服务品牌，利用人工智能和大数据风控技术，秉承“安心周转，放心经营”品牌理念，致力于为广大用户提供安心、便捷的金融科技服务，帮助其解决资金周转问题。全面解决个人消费、企业经营、出行旅游等场景资金需求，操作简便仅需三步，即有机会享受您的专属额度，随时解决燃眉之急。持续使用，还可不断提升个人额度以及获得用户成长鼓励。 【产品优势】 1. 免息福利：新用户最长免息 30天 2. 还款灵活：灵活分期，随用随借 3. 快捷放款：快速审批，最高可借20万 4. 费率透明：年化利率（单利）7.2%起（以审核为准）； 5. 安全借款：个人信息全程加密，为您提供全程保护 6. 操作简单：全程线上申请，免抵押，凭身份证等材料即可申请 附言： 1.贷款额度、利率，放款时问以实际审核为准; 2.优惠活动仅免除部分利息，详细免息方式以APP内活动规则为准。 3.贷款有风险，借款需谨慎 4.投资有风险。 ## Key features - AI and big data risk control - Loans for personal consumption, business, and travel - Simple three-step application process - Up to 200,000 loan limit - Annual interest rates starting from 7.2% - New user interest-free period up to 30 days - Flexible installment repayment ## Recent user reviews (10 of 21) All indexed reviews: https://appshunter.io/ios/app/id1564047089/reviews.md ### 1/5 — Hi(gn *2024-07-16* 垃圾 ### 5/5 — 特别好用的软件 *2022-01-29* 偶然间发现的一个特别好用的软件。特别方便，生活中必须软件。推荐给身边的朋友们了 ### 5/5 — 资金周转 *2022-01-19* 这是一款非常给力的软件，当遇到急事需要 钱的时候，可以不需要再联系身边的朋友去 借了，到这里申请就可以 ### 5/5 — 家庭急需要用钱的朋友们可以试一下 *2022-01-18* 我觉得这个软件真的挺好的，有困难的朋友们可以去试一下，很值得推荐哦 ### 5/5 — 解决问题 *2022-01-18* 这个平台可以帮你解决一些资金上面的困难，让你渡过难关 你值得拥有 有困难的马上来了解吧 ### 5/5 — 方便好用 *2022-01-06* 平时总会有资金周转不开的时候，亲戚朋友又不好意思开口借，这里就很方便了，放款快 而且用的时间久了还可以提高自己的信用额度，推荐！ ### 5/5 — 很喜欢的一款软件 *2022-01-01* 第一次下载这款软件，感觉里面的设计风格独特，我非常喜欢，给朋友推荐一下 ，感觉非常不错。 ### 5/5 — 最新好软件 *2021-12-28* 这款最新借款好软件，方便快捷，随时随地都可以，大家有需要的朋友们，快来试试吧，保证让你爱不释手 ### 5/5 — 大品牌 *2021-12-16* 急需用钱的朋友可以来这个平台，审核简单，放宽速度快而且额度还高。不错的平台，解决燃眉之急。 ### 5/5 — 好用的 *2021-12-11* 这个软件我真的非常喜欢，当你急用钱却不好向家里人开口的时候，这个确实可以解决你的燃眉之急。棒 ## Frequently asked questions about 奇富周转灵 ### What is 奇富周转灵? 奇富周转灵 is a credit technology service brand under Qifu Technology, offering financial solutions for small business owners and individuals. It uses AI and big data risk control to provide convenient loan services for various needs. ### What are the loan limits and interest rates for 奇富周转灵? The maximum loan amount can be up to 200,000. Annual interest rates start from 7.2% (simple interest), but the actual loan amount and interest rate are subject to the final audit. Promotional offers may exempt some interest, with details governed by in-app activity rules. ### Does 奇富周转灵 offer any interest-free periods? Yes, new users can enjoy an interest-free period of up to 30 days. This promotional offer exempts a portion of the interest, and the specific details are outlined in the app's activity rules. ### How secure is my personal information with 奇富周转灵? The app prioritizes security, encrypting personal information throughout the entire process to provide comprehensive protection. It is designed for secure borrowing with a focus on safeguarding user data. ### What devices does 奇富周转灵 support? 奇富周转灵 is available on iPhone and iPod devices. The app is designed for iOS users looking for financial assistance. ### How often is 奇富周转灵 updated? The latest version of 奇富周转灵 is 2.0.11, and it was last updated on June 3, 2025. This indicates regular updates to improve functionality and security. ### What is the user sentiment for 奇富周转灵? Based on the available data, 奇富周转灵 has a rating of 3.7 stars from 3 ratings. This suggests a generally positive but mixed user reception. ### Does 奇富周转灵 have ads? No, the application data indicates that 奇富周转灵 does not have advertisements. Users can expect an ad-free experience while using the platform. ## Version history (last 5 releases) ### 2.0.53 — 2026-08-12 品牌全新升级，服务更贴心 ### 2.0.50 — 2026-07-14 品牌全新升级，服务更贴心 ### 2.0.47 — 2026-06-08 品牌全新升级，服务更贴心 ### 2.0.46 — 2026-06-03 品牌全新升级，服务更贴心 ### 2.0.44 — 2026-05-06 品牌全新升级，服务更贴心 ## Apps similar to 奇富周转灵 | 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 | | [易借速贷-现金分期贷款借款平台](https://appshunter.io/ios/app/id1458395825) | 2.3 (6) | Free | Finance | | [万达普惠](https://appshunter.io/ios/app/id1117322012) | 4.7 (15,398) | Free | Finance | | [金质花](https://appshunter.io/ios/app/id1439029285) | 1.0 (2) | Free | Finance | | [白猫贷](https://appshunter.io/ios/app/id1471944231) | — | Free | Finance | | [可易借-借钱借款信用贷款平台](https://appshunter.io/ios/app/id1282277563) | 3.0 (4) | Free | Finance | ## More apps by Fuzhou Qifu Online Microcredit Co., Ltd - [奇富借条(原360借条)-手机信用贷款小额借钱平台](https://appshunter.io/ios/app/360/id1178856715) - [360分期-分期借贷平台](https://appshunter.io/ios/app/360/id1411234513) - [360信用钱包-手机信用分期借款贷款借钱平台](https://appshunter.io/ios/app/360/id1480502565) - [360分期贷-信用借钱分期借款短期贷款平台](https://appshunter.io/ios/app/360/id1505284951) - [360借条-分期借款手机借钱借贷贷款平台](https://appshunter.io/ios/app/360/id1623571691) All apps by Fuzhou Qifu Online Microcredit Co., Ltd: https://appshunter.io/developer/1273977632 --- *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 2026-08-21.*