# 够用-智能分期贷款解决方案 > Online cash loans and consumer financing platform with high loan limits and flexible repayment. (iPhone/iPad app by 海尔消费金融有限公司.) - Source: https://appshunter.io/ios/app/id6747854340 (this page in markdown: same URL + `.md`) - Developer: [海尔消费金融有限公司](https://appshunter.io/developer/1067158120) - Category: Finance - Price: Free - Rating: 2.17/5 from 6 App Store ratings - Age rating: 17+ - Requires: iOS 11.0 · 71 MB - Languages: Chinese (Simplified, China), American English - Released: 2025-10-08 - Data updated: 2026-08-15 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/id6747854340/reviews.md ## What is 够用? 【产品介绍】 够用APP是海尔消费金融官方推出的为客户提供纯线上的现金贷款，及生活消费的移动金融平台。额度最高20万，最高可分36期还款，年化利率（单利）15.80%-23.88%，按日计息！ 【产品特点】 安全可靠：海尔消费金融官方出品，正规持牌消费金融机构！ 安心借款：费用透明，更安心 额度够用：最高20万贷款额度 方便快捷：全程APP申请，无需抵押，使用身份证＋银行卡等材料即可申请！ 【温馨提示】 贷款额度、贷款利率、放款时间、通过率等以实际审批为准。 贷款只能用于日常消费、不得用于买房、买车、炒股及经营投资。 贷款有风险，借款需谨慎；请根据个人能力合理贷款，理性消费，避免逾期。 【公司介绍】 海尔消费金融有限公司（以下称“海尔消金”）成立于 2014年12月26日。是经国家金融监督管理总局批准，由海尔集团公司作为主发起人设立的全国性消费金融公司，也是我国首家由产业发起设立的产融结合消费金融公司，行业首家国家级高新技术企业。公司致力于打造以“科技＋风控”根基，“场景＋现金”双布局，以用户为中心的金融平台。全程在线注册审批，便捷透明，账单清晰，随时随地解決您的借款需求！ 【联系我们】： 官方客服电话：952955（9:00-18:00，节假日无休） ## Key features - Online cash loans - Consumer financing - Loan amounts up to 200,000 - Repayment up to 36 months - Transparent fees - Online application - No collateral required ## Frequently asked questions about 够用 ### What is the maximum loan amount offered by 够用? 够用 offers a maximum loan amount of 200,000. The specific amount approved will depend on the actual appraisal. ### What are the interest rates for loans on 够用? The annualized interest rates (simple interest) range from 15.80% to 23.88%, calculated daily. Actual rates are subject to approval. ### How long can I repay a loan from 够用? Loan repayment terms can be up to 36 months. The exact repayment period will be determined during the approval process. ### What documents are needed to apply for a loan on 够用? The application process is entirely online and does not require collateral. You will need your identification and bank card details to apply. ### Is 够用 a legitimate and safe platform? Yes, 够用 is an official product of Haier Consumer Finance, a regulated and licensed consumer finance institution approved by the China Banking and Insurance Regulatory Commission. ### What can the loans from 够用 be used for? Loans are intended for daily consumption and cannot be used for purchasing houses, cars, stock trading, or business investments. ### How often is 够用 updated? The latest version is 1.0.9, and the app was last updated on June 29, 2026. This indicates regular updates to maintain functionality and security. ### What is the user sentiment for 够用? The app has a rating of 2.2 stars from 6 ratings, suggesting that user satisfaction may be mixed. It's advisable to consider user reviews for more detailed insights. ## Version history (last 5 releases) ### 1.0.9 — 2026-06-29 更新一键登录服务 ### 1.0.8 — 2026-06-01 增加消费者保护提示信息；增加支持的业务类型 ### 1.0.7 — 2026-04-21 升级注销流程 ### 1.0.6 — 2026-03-26 更新关于我们信息，强化消费者保护 ### 1.0.4 — 2026-02-10 修复已知问题。 ## More apps by 海尔消费金融有限公司 - [海尔消费金融-正规手机贷款极速借款app](https://appshunter.io/ios/app/app/id1129104892) - [海尔消金商户版](https://appshunter.io/ios/app/id1133489839) - [够花-低息现金分期手机信用贷款软件](https://appshunter.io/ios/app/id1257627631) All apps by 海尔消费金融有限公司: https://appshunter.io/developer/1067158120 --- *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 2026-08-15.*