# 宁波银行宁来花-信用借钱现金分期快速贷款平台 — 宁波银行官方信用贷款产品

> Bank-issued personal consumption loans with flexible repayment and transparent rates. (iPhone/iPad app by 宁波银行.)

- Source: https://appshunter.io/ios/app/id1668936317 (this page in markdown: same URL + `.md`)
- Developer: [宁波银行](https://appshunter.io/developer/531012677)
- Category: Finance
- Price: Free
- Rating: 3.17/5 from 223 App Store ratings · 30 written reviews indexed
- Age rating: 17+
- Requires: iOS 12.0 · 95 MB
- Languages: Chinese (Simplified, China), American English
- Released: 2023-05-05
- Data updated: 2026-08-30
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/id1668936317/reviews.md

## What is 宁波银行宁来花?

新客首借年化利率(单利）3.0%起
最高额度30万元
凭身份证在线申请
【平台介绍】
宁波银行成立于1997年4月10日，2007年7月19日成为国内首家在深圳证券交易所挂牌上市的城市商业银行（股票代码：002142），是系统重要性银行之一。
宁来花，是宁波银行推出的个人消费金融品牌，孵化出直接贷、直接分和直接付三款消费金融产品，产品上线6年时间，已服务超过3000万各行业精英。
直接贷是一款纯信用消费信贷产品，用户可根据需要发起借款并用于消费，不使用额度则不产生任何费用，支持随借随还，是您生活消费、短期周转的良好选择。
【产品特点】
1、借款额度高：审批后最高额度30万元
2、息费透明：年化利率（单利）3.98%-18%
3、还款灵活：最长可分60期还款，支持随借随还，部分客户可享受先息后本
4、安全借贷：银行级网络安全技术，为您保驾护航
【联系我们】
客服电话：95574
【温馨提示】
1、具体内容以实际页面展示为准
2、借款额度、利率、放款时间、借款期数等以实际审批结果为准
3、借款仅可用于消费，请根据个人能力合理借款，理性消费，避免逾期

## Key features

- 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

## Recent user reviews (10 of 30)

All indexed reviews: https://appshunter.io/ios/app/id1668936317/reviews.md

### 1/5 — 虚假

*2026-08-05*

虚假宣传 什么60 明明就12

### 2/5 — 不要总是人脸识别了

*2026-06-07*

每次使用人脸识别登录进去后，不会出来还款选项，再点击查看额度还要人脸识别，点击我的也要人脸识别，bug可以修复下吗

### 1/5 — 下载宁波银行，结果下载这么个奇葩玩意，还人脸识别通过，真是够了！

*2025-11-30*

下载宁波银行，结果下载这么个奇葩玩意，还人脸识别通过，真是够了！

### 1/5 — 吃人，不敢用

*2025-08-22*

你想看还款计划？不好意思没这个功能（至少是没有入口的）；当你发现每个月待还款金额不一样想问问？不好意思柜台和电话都是联系不到相关人的。用了几个月赶紧跑了，别一不小心被逾期、被告了。

### 5/5 — 流程高效

*2025-07-16*

贷款流程高效，安全放心，按期还款可靠有保障

### 5/5 — 风控有些严格

*2025-07-10*

银行的风控还是有些严格的！我的工资流水稳定只给我批了8万额度，希望能放宽些给我提提额度

### 5/5 — 挺好用的

*2025-07-04*

挺好用的，用了3年了，老用户会不定期提额降息，挺实惠的

### 5/5 — 流程便捷

*2025-07-04*

需要用钱的时候会来看一看，流程还是比较方便的，银行产品相对放心，时不时也会送利率券，借了了几次体验都还不错，不用也可以提前还了。

### 1/5 — 秒拒产品

*2025-01-12*

不管你信用怎么样都是秒拒，后期给你推送旗下网贷产品 适合不缺钱的老板

### 1/5 — 垃圾，浪费次数查询没额度

*2024-11-15*

一天到晚说有多高额度让你申请，浪费完次数进去就是不审批

## Frequently asked questions about 宁波银行宁来花

### 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.

## Version history (last 5 releases)

### 3.2.0 — 2026-08-05

优化产品流程耗时，提升体验

### 3.1.9 — 2026-07-18

优化产品流程耗时，提升体验

### 3.1.8 — 2026-06-04

优化产品流程耗时，提升体验

### 3.1.6 — 2026-04-17

优化产品流程耗时，提升体验

### 3.1.5 — 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。

优化产品流程耗时，提升体验

## More apps by 宁波银行

- [宁波银行](https://appshunter.io/ios/app/id531012674)
- [宁波银行直销银行](https://appshunter.io/ios/app/id966143669)
- [易托管](https://appshunter.io/ios/app/id1389704615)
- [财资大管家](https://appshunter.io/ios/app/id1450918170)
- [波波知了](https://appshunter.io/ios/app/id6447424104)

All apps by 宁波银行: https://appshunter.io/developer/531012677

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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 2026-08-30.*