的确垃圾
垃圾
千万别下载
浪费时间的 进去没有那些东西 他们是叫你中转贷 吃你利息
差劲
一颗星都不想给，骗子软件
骗个人信息的借不了别下载
骗个人信息的借不了别下载
虚假宣传
全是广告，根本没有宣传的那样
About
This platform offers personal consumption loans with flexible repayment options and transparent interest rates. Apply online with your ID for quick disbursement, with loan amounts up to 300,000 yuan and annual interest rates starting from 3.0%.
✓High loan limits up to 300,000 yuan
✓Transparent annual interest rates from 3.98% to 19.8%
✓Flexible repayment up to 60 installments
✓Fast disbursement, as quick as 1 minute
✓Pure credit consumption loan
✓Bank-level network security
Show original description
What's New in 宁波银行宁来花
3.2.1
October 9, 2026
优化产品流程耗时，提升体验
User reviews
Developer apps
FAQ
What is the minimum annual interest rate for new customers on Ninglaihua?
New customers can enjoy an annualized interest rate (simple interest) starting from 3.0% for their first loan on Ninglaihua. The general range for interest rates is between 3.98% and 19.8%.
What is the maximum loan amount available through Ninglaihua?
Ninglaihua offers a maximum loan amount of up to 300,000 yuan. The specific approved amount will be determined by the actual approval results.
How quickly can I receive funds after my loan is approved on Ninglaihua?
After a successful loan application and approval, funds can be disbursed as quickly as 1 minute. This rapid disbursement is a key feature for users needing quick access to cash.
What are the repayment options for loans on Ninglaihua?
Ninglaihua provides flexible repayment options, with the longest term being up to 60 installments. The platform also supports early repayment, and some customers may be eligible for a 'pay interest first, then principal' option.
Is Ninglaihua a secure platform for borrowing money?
Yes, Ninglaihua utilizes bank-level network security technology to protect user data and ensure safe borrowing. It is a personal consumption finance brand launched by Bank of Ningbo.
What is the age rating for Ninglaihua?
Ninglaihua has an age rating of 17+. This indicates it is intended for users who are 17 years of age or older.
How often is Ninglaihua updated?
The latest version of Ninglaihua is 3.1.8, and it was last updated on June 4, 2026. This suggests a relatively recent update, though the release date was May 5, 2023.
What is the user sentiment for Ninglaihua based on its rating?
Ninglaihua has a rating of 3.2 stars from 223 ratings. This indicates a mixed to slightly positive user reception, with room for improvement in user satisfaction.