# 备用金-小额手机闪电借款借贷平台 — 低息借款分期借贷平台

> Unsecured personal loans with high limits and low interest rates. (iPhone/iPad app by Hubei Baokang Rural Commercial Bank Co., LTD.)

- Source: https://appshunter.io/ios/app/id6445841941 (this page in markdown: same URL + `.md`)
- Developer: [Hubei Baokang Rural Commercial Bank Co., LTD](https://appshunter.io/developer/1674134910)
- Category: Finance
- Price: Free
- Rating: 1.00/5 from 1 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.0 · 17 MB
- Languages: English
- Released: 2023-03-06
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/id6445841941/reviews.md

## What is 备用金?

备用金是一款高额度、低息费、无抵押的信用贷款产品。

【产品介绍】
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：智能高效审核
4、费息透明：年化利率7.2%-12%（单利），实际以审核为准

【产品特色】
借款流程简单，只需3步完成借款
额度超灵活，满足不同人群的需求
综合年化资金成本低，最高分期12期，降低还款压力
持续使用，信用提升，费率降低，额度提升

【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。

## Key features

- High loan limits up to 200,000 RMB
- Online application, no collateral required
- Fast and efficient smart review process
- Transparent annual interest rates (7.2%-12%)
- Flexible repayment up to 12 installments
- Credit improvement for better terms

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/id6445841941/reviews.md

### 5/5 — 借款很快很好用

*2024-04-09*

提现很方便，下款速度快，真是雪中送炭，非常好用，强烈推荐使用！

### 5/5 — 小额贷款

*2023-08-19*

申请简单，额度高下款快，需要小额贷款的可以直接去下载测试额度

## Frequently asked questions about 备用金

### What is the maximum loan amount offered by 备用金?

备用金 offers a maximum loan amount of up to 200,000 RMB. The actual loan amount granted will be subject to the final approval results of your application.

### What are the interest rates for loans from 备用金?

The annual interest rates for loans from 备用金 range from 7.2% to 12% (simple interest). The specific rate you receive will be determined by the loan approval process and may vary.

### How long can I repay a loan from 备用金?

You can repay your loan from 备用金 in installments for up to 12 months. This flexible repayment period is designed to reduce the pressure on your finances.

### Is collateral required to get a loan from 备用金?

No, 备用金 provides unsecured credit loans. The application process is entirely online and does not require any collateral.

### How can I improve my loan terms with 备用金?

By using 备用金 continuously and making timely repayments, you can improve your creditworthiness. This can lead to lower interest rates and increased loan limits for future borrowing.

### What is the age rating for 备用金?

备用金 has an age rating of 4+. This indicates it is suitable for a wide range of users, though financial decisions should be made responsibly.

### When was 备用金 last updated?

The latest version of 备用金, version 3.5.5, was last updated on May 30, 2023. This suggests regular updates to the application.

### Does 备用金 have ads?

The provided data does not specify whether 备用金 contains advertisements. However, as a free finance application, it is possible it may include ads or other monetization methods.

## Version history (last 5 releases)

### 3.5.5 — 2023-05-30

优化显示内容，修复部分错误。

### 3.5.3 — 2023-05-24

1.优化界面；
2.修改表单填写重选错误。

### 3.5.2 — 2023-05-10

1.优化审核结果的选择界面；
2.优化勾选提示，提升用户体验。

### 3.5.1 — 2023-05-06

全新版本上线，更简单明了的操作体验！

### 3.5 — 2023-04-08

1.更新应用名称
2.更新UI提高兼容性
3.优化用户体验

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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 2026-06-10.*