# 恒小花-高额低息贷款分期购物平台 — 正规循环借钱软件 > Unsecured, revolving credit loan and installment shopping platform. (iPhone/iPad app by 北京乐享无限科技有限公司.) - Source: https://appshunter.io/ios/app/id6502034180 (this page in markdown: same URL + `.md`) - Developer: [北京乐享无限科技有限公司](https://appshunter.io/developer/1704261747) - Category: Finance - Price: Free - Rating: 1.00/5 from 5 App Store ratings - Age rating: 17+ - Requires: iOS 12.0 · 110 MB - Languages: American English - Released: 2024-06-26 - Data updated: 2026-06-10 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/id6502034180/reviews.md ## What is 恒小花? ——平台介绍—— 恒小花，一款无抵押、可循环的信用借款产品，仅凭身份证即可申请，最高额度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 ——产品优势—— 【额度高】：最高20万元 【利率低】：综合年化利率(单利)7.2%-36% 【循环借】：一次授信，循环使用 【申请易】：仅需身份证，三步即可申请，线上借款，方便快捷 【放款快】：最快5分钟放款 【够安全】：个人信息全程加密，安全放心 ——恒小花增值服务—— 1、恒生活智能货柜： 无人零售自助货柜，业务覆盖智慧零售、本地生活、智能物联网等，专注为客户提供场景化消费服务与体验 2、两轮车充电： 小橙充电站，专注于新能源管理系统解决方案，具有高度的兼容性和安全性，满足不同用户的个性化需求，为用户带来了一站式的充电服务体验 ——联系我们—— 客服电话：400-045-6600 ——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 loan limits up to 200,000 yuan - Low annual interest rates (7.2%-36%) - Revolving credit for repeated use - Easy online application with ID card - Fast disbursement, as quick as 5 minutes - Secure personal information encryption ## Frequently asked questions about 恒小花 ### What is Heng Xiaohua? Heng Xiaohua is a credit lending platform that offers unsecured, revolving loans. It aims to provide flexible consumption installment services and convenient installment shopping experiences for users. ### What is the maximum loan amount for Heng Xiaohua? The platform offers a maximum loan amount of up to 200,000 yuan. The specific loan amount, installment periods, and interest rates are subject to actual approval. ### How easy is it to apply for a loan with Heng Xiaohua? The application process is designed to be simple and fast. Users only need to provide their ID card, and the application can be completed online in three steps, with funds disbursed as quickly as 5 minutes. ### What are the interest rates for Heng Xiaohua loans? The comprehensive annualized interest rate (simple interest) ranges from 7.2% to 36%. The exact rate will be determined by the actual approval. ### Is my personal information safe with Heng Xiaohua? Yes, the platform emphasizes security. Personal information is encrypted throughout the entire process, ensuring user safety and peace of mind. ### Does Heng Xiaohua have ads? Yes, Heng Xiaohua contains advertisements. Users may encounter advertisements while using the platform. ### What devices does Heng Xiaohua support? Heng Xiaohua is supported on iPhone and iPod devices. It is available for iOS users. ### How often is Heng Xiaohua updated? The latest version of Heng Xiaohua is 1.4.9, and it was last updated on February 10, 2025. This indicates a relatively frequent update cycle. ## Version history (last 5 releases) ### 1.4.9 — 2025-02-10 优化用户体验 修复了其他已知问题 ### 1.4.8 — 2025-01-22 优化用户体验 修复了其他已知问题 ### 1.4.6 — 2024-12-30 优化用户体验 修复了其他已知问题 ### 1.4.4 — 2024-12-05 优化用户体验 修复了其他已知问题 ### 1.4.2 — 2024-11-15 优化用户体验 修复其他已知问题 ## Apps similar to 恒小花 | App | Rating | Price | Category | | --- | --- | --- | --- | | [分期易-好用的电商分期平台](https://appshunter.io/ios/app/id1483612836) | — | Free | Finance | | [芒哩](https://appshunter.io/ios/app/id1481050715) | 5.0 (1) | Free | Finance | | [小鱼儿-现金分期信用借钱软件](https://appshunter.io/ios/app/id1489681931) | 1.0 (1) | Free | Finance | | [花鸭借钱-现金借款贷款备用金](https://appshunter.io/ios/app/id6443499530) | — | Free | Finance | | [华瑞银行](https://appshunter.io/ios/app/id1054902115) | 5.0 (1) | Free | Finance | | [人品贷极速版-贷款借钱平台](https://appshunter.io/ios/app/id1366226507) | 5.0 (3) | Free | Finance | --- *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.*