分期乐 appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for 分期乐 is 78 out of 100 points across 7 verification signals from App Store and developer data.

分期乐 User Reviews

Name: 分期乐
Rating: 2.6 (232 reviews)

分期乐

深圳市分期乐网络科技有限公司

💰 Finance

🛍️ Shopping

Customer Experience

Positive experience39.0% of reviews

Neutral1.7% of reviews

Negative experience59.3% of reviews

~ Based on 118 written reviews from the US App Store.

What users say

Summarized from real user reviews of 分期乐. Based on 232 reviews and a 2.6/5 average, it highlights the 3 positives and 19 negatives reviewers mention most about this Finance app.

Positive things

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

Negative things

💸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

Is 分期乐 Safe?

分期乐 has mixed safety signals based on user ratings. AppsHunter Safety Score for 分期乐 is 53/100.

This assessment is based on 232 user ratings, with an App Store average of 2.6/5.

Safety Analysis

39.7% of ratings point to a safe experience

1.7% of ratings suggest some concerns

58.6% of ratings point to a risky experience

~ Based on 232 App Store ratings for 分期乐.

Is 分期乐 Legit?

分期乐 appears legitimate, with a few gaps. AppsHunter Legitimacy Score for 分期乐 is 78/100.

Based on 78 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Most Recent Highest Rated Lowest Rated

黑网贷

诈骗集团，

吃点药1688

21 days ago

恶意转其他投保链接

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

A77554

3 months ago

去你妈的

Hbfhbgub

7 months ago

坑坑坑坑坑超级大坑千万别用，我好久

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

来自一个真实的赌狗用户