# 恒小花-分期贷款现金贷款借钱平台

> Credit loan platform for flexible installment services and convenient shopping. (iPhone/iPad app by Anhui Dongzhi Rural Commercial Bank Co.,Ltd..)

- Source: https://appshunter.io/ios/app/id6446103734 (this page in markdown: same URL + `.md`)
- Developer: [Anhui Dongzhi Rural Commercial Bank Co.,Ltd.](https://appshunter.io/developer/1676018638)
- Category: Finance
- Price: Free
- Rating: 1.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 11.0 · 6 MB
- Languages: English
- Released: 2023-04-12
- Data updated: 2026-06-13
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/id6446103734/reviews.md

## What is 恒小花?

【产品介绍】
恒小花，一款高额、低息、无抵押、可循环的信用借款产品，仅凭身份证即可申请，至高额度20万元；更懂年轻人消费需求的服务平台，以“简单生活随心花”为理念，为您提供灵活的消费分期服务、贴心便捷的分期购物服务，让您随时随地享受品质生活。
惠借—高额、低息、无抵押、可循环的信用借款产品，仅凭身份证即可申请，至高额度20万元，为您提供简单、便捷、省心消费分期服务
好花—先消费、后还款，一键分期享不停；精选好物、正品保证、灵活分期，尊享快捷、优质、放心的购物体验

【产品优势】
额度高：最高20万元额度
费率低：千元日息0.2元起
多分期：最长可分36期，灵活还款
循环借：一次授信，循环使用
申请易：仅需身份证，三步完成在线申请
放款快：审批后最快3分钟到账
够安全：个人信息全程加密，安全放心

【风险提示】
具体借款额度、分期期数及利率，以实际审批为准
请根据所需合理借贷，理性消费，避免逾期

## Key features

- High credit limits up to 200,000 CNY
- Low daily interest rates starting from 0.2 CNY per thousand
- Flexible repayment up to 36 installments
- Revolving credit for repeated use
- Simple application with just an ID card
- Fast disbursement within 3 minutes
- Secure personal information encryption


## Frequently asked questions about 恒小花

### What is 恒小花?

恒小花 is a credit loan product that offers high limits, low interest rates, and no collateral. It provides flexible consumption installment services and convenient installment shopping experiences.

### What are the loan limits and interest rates for 恒小花?

The maximum credit limit is 200,000 CNY. Daily interest rates start from 0.2 CNY per thousand. The specific loan amount, installment period, and interest rate are subject to actual approval.

### How long can I repay a loan with 恒小花?

You can repay loans with 恒小花 for up to 36 installments, offering flexible repayment options.

### How quickly can I receive funds after approval with 恒小花?

After approval, funds can be disbursed as quickly as 3 minutes.

### What documents are needed to apply for a loan with 恒小花?

You only need your ID card to apply for a loan with 恒小花. The online application process is completed in three steps.

### Is my personal information safe with 恒小花?

Yes, 恒小花 ensures the security of your personal information with full encryption throughout the process, making it safe and reliable.

### Does 恒小花 have ads?

The provided data does not specify if 恒小花 contains advertisements. However, its monetization model is listed as 'free'.

### What devices does 恒小花 support?

恒小花 is available on iPhone, iPad, and iPod devices.

## Version history (last 1 release)

### 1.1.2 — 2023-04-18

优化极速借款体验

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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 2026-06-13.*