# 分期乐 — 专业分期借款借钱购物App

> 专业分期借款借钱购物App (iPhone/iPad app by 深圳市分期乐网络科技有限公司.)

- Source: https://appshunter.io/ios/app/id906611031 (this page in markdown: same URL + `.md`)
- Developer: [深圳市分期乐网络科技有限公司](https://appshunter.io/developer/897778999)
- Category: Finance, Shopping
- Price: Free
- Rating: 2.60/5 from 234 App Store ratings · 118 written reviews indexed
- Age rating: 17+
- Requires: iOS 13.0 · 245 MB
- Languages: American English, Chinese (Simplified, China)
- Released: 2014-08-20
- Data updated: 2026-09-05
- User reviews in markdown: https://appshunter.io/ios/app/id906611031/reviews.md

## What is 分期乐?

上市公司，正规平台，最高可借20万额度
新人最长可享30天免息，在线申请，智能审批

【平台介绍】
分期乐是乐信旗下倡导年轻人有度消费的分期消费平台，以更懂年轻人、更有安全保障、更有温度的产品体验和金融科技服务，让年轻人可以享受安全、稳定、便捷的现金借钱、分期购物和分期还款的金融服务，已有超过1.5亿用户选择分期乐。

【产品优势】
纳斯达克上市公司（股票代码：LX）旗下品质分期购物商城和分期借贷金融平台；
贷款资金由正规金融持牌放款机构提供；
利用AI技术和大数据风控技术给用户提供安全靠谱的分期借贷平台；
息费透明，期数灵活的分期借款平台；
是超过1.5亿用户值得信赖的借钱平台。

【主要特色】
安心借款：费用透明，借钱更放心；
安全保障：银行级风控团队为您的账户安全保驾护航；
优质体验：支持线上贷款申请，方便快捷，借钱分期期限灵活；
分期购物：国行正品，品质保证，分期还款更便捷。

【贷款利率说明】
“乐花借钱”年化利率区间8-24%，因个人资质不同，最终以平台实际审批为准
以上应用截图仅为示例，贷款额度、利率、放款时间、通过率等以实际审批为准
贷款投资有风险，借款需谨慎；请根据个人能力合理贷款，理性消费，避免逾期。

## What do users think of 分期乐?

Overall sentiment: negative

**Pros**

- 🚀 Fast disbursement
- 👍 Helps in emergencies
- 👍 Can be a last resort for funds

**Cons**

- 💸 High interest rates (usury)
- 💸 Hidden fees and charges
- 💸 Unclear billing and statements
- 💸 Forced installment plans
- 💸 Inability to repay early without penalty
- 💸 Aggressive and threatening collection practices
- 💸 Misleading loan terms (e.g., 24期 vs 36期)
- 💸 Redirects to other loan platforms
- 💸 Privacy concerns (selling user data)
- 💸 Unauthorized account creation (Shanghai Bank)
- 💸 Difficulty in account cancellation/deletion
- 💸 Mandatory membership/fees
- 💸 Unresponsive customer service
- 💸 App instability and crashes (iOS)
- 💸 Slow loading times
- 💸 Inconsistent loan approval/disbursement
- 💸 Harassing phone calls and spam
- 💸 Negative impact on credit score
- 💸 Exploitative of students and vulnerable users

**Commonly reported bugs**

- App crashes (iOS)
- Unable to repay within the app/WeChat
- Blank repayment pages
- Forced updates
- Redirects to third-party loan apps
- Unable to unbind bank cards
- Unauthorized bank account creation

**Most requested features**

- Clearer billing and interest calculation
- Option for early repayment without penalties
- Improved customer service responsiveness
- More transparent loan terms
- User-friendly interface
- Ability to cancel unauthorized accounts
- More humane collection practices

## Recent user reviews (10 of 118)

All indexed reviews: https://appshunter.io/ios/app/id906611031/reviews.md

### 1/5 — 黑网贷

*2026-07-27*

诈骗集团，

### 1/5 — 恶意转其他投保链接

*2026-05-04*

贷款点着点着就是转一个投保险的地方，然后直接就是不需要密码直接就去扣款银行卡里面了

### 1/5 — 去你妈的

*2026-01-02, version 8.8.1*

去你妈的

### 5/5 — 坑坑坑坑坑超级大坑千万别用，我好久

*2025-12-13*

我很早之前不懂事在上面借了钱一直到现在才还完了，一直给我分期不让我提前还款。奉劝大家不要在这个上面借钱，而且他也是跟那些野鸡平台一样的把你信息资料全部打包卖了，协议你没看，注意到，而且他都是要你先给钱啊，付款啊，什么的才会给你一个额度，千万不要用这个东西，如果你想从上面搞钱是可以的不用还那种能下多少就下多少，这个东西我给五星好评挂在上面给你们看希望你们能看到。也能及时醒悟好吧

### 1/5 — 垃圾东西

*2025-12-02*

垃圾东西浪费时间

### 1/5 — 垃圾

*2025-11-29, version 8.7.1*

垃圾软件

### 1/5 — 撸口子

*2025-11-07, version 8.5.1*

撸完就跑路妈的狗篮子平台

### 1/5 — 垃圾

*2025-10-16, version 8.5.1*

霸王条款 强制扣

### 1/5 — 看不懂

*2025-09-09, version 8.4.1*

垃圾

### 1/5 — 騙人的軟件

*2025-08-28, version 8.4.1*

辣雞騙人的

## Version history (last 5 releases)

### 8.15.1 — 2026-09-02

修复已知bug

### 8.14.1 — 2026-08-05

修复线上已知问题

### 8.13.1 — 2026-06-29

优化版本稳定性，为你带来更安全更好的体验

### 8.12.1 — 2026-05-20

优化版本稳定性，为你带来更安全更好的体验

### 8.11.1 — 2026-05-06

优化版本稳定性，为你带来更安全更好的体验

## Apps similar to 分期乐

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| [洋钱罐借款 - 分期贷款借钱平台](https://appshunter.io/ios/app/id1410049631) | 4.6 (521) | Free | Finance |
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## More apps by 深圳市分期乐网络科技有限公司

- [分期乐极速版](https://appshunter.io/ios/app/id1566516153)
- [买吖 - 新潮好物0首付！](https://appshunter.io/ios/app/0/id1598877106)

All apps by 深圳市分期乐网络科技有限公司: https://appshunter.io/developer/897778999

## Related topics

[分期乐](https://appshunter.io/ios/topics/分期乐) · [分期](https://appshunter.io/ios/topics/分期) · [贷款](https://appshunter.io/ios/topics/贷款) · [借钱](https://appshunter.io/ios/topics/借钱) · [京东金融](https://appshunter.io/ios/topics/京东金融) · [ultrahuman](https://appshunter.io/ios/topics/ultrahuman)

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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 2026-09-05.*