# 拍拍贷借款-借贷:小额分期贷款现金借钱软件 — 大额信用分期贷款低息借钱借款平台 > Online lending platform for personal and business loans with flexible terms. (iPhone/iPad app by 上海拍拍贷金融信息服务有限公司.) - Source: https://appshunter.io/ios/app/id983488107 (this page in markdown: same URL + `.md`) - Developer: [上海拍拍贷金融信息服务有限公司](https://appshunter.io/developer/956052052) - Category: Finance, Lifestyle - Price: Free - Rating: 3.80/5 from 70 App Store ratings · 69 written reviews indexed - Age rating: 17+ - Requires: iOS 12.0 · 125 MB - Languages: American English, Chinese (Simplified, China) - Released: 2015-05-08 - Data updated: 2026-09-12 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/id983488107/reviews.md ## What is 拍拍贷借款? 借钱就上拍拍贷借款！ 【产品特色】 1、产品提供：个人消费贷、企业经营贷、装修贷、出行旅游贷等。 2、闪电借款：借款流程简单，线上全自动化信审，到账时间1分钟起。 3、额度灵活：大额高至20万，额度循环使用，随还随借。 4、门槛超低：全程线上申请，无抵押贷款。 5、费率优惠：综合年化利率3.6%起（单利）。 6、自主提额：额度跟随信用状况变更，实时提额，快至1分钟出结果。 7、信息保密：用户信息严格保密，值得信赖。 8、小额借款（现金借款，借钱，手机借款，手机借钱）就找拍拍贷。 【关于拍拍贷】 拍拍贷于2017年 11月成功上市。 拍拍贷是一家网络信用借贷平台，为用户提供方便、快捷的服务。 【联系我们】 客服电话：95065（08:00-20:00） 微信关注“上海拍拍贷”公众号 温馨提示：贷款有风险，借款需谨慎，请根据个人经济能力合理贷款，合理消费，避免逾期；贷款额度、利率、放款时间以实际审核为准。 ## Key features - Personal and business loan options - Fast online application and disbursement - Flexible loan amounts up to 200,000 - Low interest rates starting at 3.6% - No collateral required - Confidential user information ## Recent user reviews (10 of 69) All indexed reviews: https://appshunter.io/ios/app/id983488107/reviews.md ### 1/5 — 垃圾 *2026-03-02* 五年来无一次逾期，给我推荐了一款其中利息优惠的套餐又不让我借，说我综合评分不够，我 去 你 大爷 的，看下老 子的还款记录，s。b，平 台老 子也不需要借了，就此上岸 **Developer response:** 尊敬的用户，抱歉未能让您满意！ 您的意见已收到，我们会积极改进，希望未来能为您提供更优质的服务。 ### 5/5 — 好是好，可是给额度又不让借 *2026-01-22, version 10.12.0* 用起来感觉行，可是我没体验到便捷点，给我额度却借款失败 ### 4/5 — 密码死了 *2026-01-11* 密码死了，别人借的钱天天给我打电话，敲密码的 **Developer response:** 尊敬的用户，非常抱歉给您带来了不好的体验，如果您有任何其他问题或需要进一步的帮助，请随时联系我们，我们将竭诚为您服务。 ### 1/5 — What a garbage Chinese app! *2025-12-29* Why the developers don’t go to kill themselves? **Developer response:** 尊敬的用户， 感谢您的宝贵反馈，我们会认真改进，为您提供更好的服务体验。 ### 1/5 — 差评 *2025-07-12, version 10.9.0* 额度低，还不给注销，有病的 ### 1/5 — 码畜死吗 *2024-07-22* 帮助作恶者，自己该死 ### 1/5 — 垃圾 *2024-07-01* 垃圾诈骗 ### 1/5 — 7天免息诱导（骗局） *2024-03-26* 所谓7天免息是指在你借款期间内有7天是给你免息的，并不是在你7天内提前还款是免息的；借款平台还会以激活大额借款为由，让你将全部额度借出来，其中诱导优惠条件“7天免息”。 **Developer response:** 感谢您的提醒，我们会对这些细节进行明确和规范，避免用户产生混淆。关于诱导用户的行为，我们一定会加强管理，保障用户权益。 ### 1/5 — 珍惜生命 *2024-02-23* 珍惜生命不要贷 ### 1/5 — 恶心透顶 *2024-01-26, version 10.1.0* 逾期一天，并且已经说好了还款时间，还就拼命轰炸亲朋好友 ## Frequently asked questions about 拍拍贷借款 ### What types of loans does 拍拍贷 offer? 拍拍贷 offers personal consumption loans, business operating loans, renovation loans, and travel loans. The platform aims to provide a variety of options to meet different borrowing needs. ### How quickly can I get a loan from 拍拍贷? The loan process is designed to be fast, with online credit assessment and disbursement times starting from 1 minute. The platform emphasizes a quick and automated approval system. ### What is the maximum loan amount available on 拍拍贷? You can borrow up to 200,000 with flexible credit lines that can be used repeatedly. The exact amount and terms are subject to your credit status and the platform's review. ### What are the interest rates for loans on 拍拍贷? The comprehensive annual interest rate starts from 3.6% (simple interest). Specific rates are determined by your creditworthiness and the loan product selected. ### Is collateral required to get a loan from 拍拍贷? No, the application process is entirely online and does not require any collateral. This makes it a convenient option for those who may not have assets to pledge. ### How does 拍拍贷 ensure user information security? User information is strictly kept confidential and is considered trustworthy. The platform prioritizes data privacy and security for all its users. ### What is the age rating for 拍拍贷? The app has an age rating of 17+, indicating it is intended for mature audiences. This is common for financial applications dealing with lending. ### When was 拍拍贷 last updated? The latest version of 拍拍贷 was updated on March 3, 2026. This indicates a recent update, suggesting ongoing development and maintenance. ## Version history (last 5 releases) ### 10.15.0 — 2026-06-30 【优化】首页性能优化，操作更流畅 【升级】部分界面UI升级，页面更美观 【修复】已知问题修复，体验更舒适 ### 10.14.0 — 2026-04-20 【优化】首页性能优化，操作更流畅 【升级】部分界面UI升级，页面更美观 【修复】已知问题修复，体验更舒适 ### 10.13.0 — 2026-03-03 【优化】首页性能优化，操作更流畅 【升级】部分界面UI升级，页面更美观 【修复】已知问题修复，体验更舒适 ### 10.12.0 — 2026-01-20 【优化】首页性能优化，操作更流畅 【升级】部分界面UI升级，页面更美观 【修复】已知问题修复，体验更舒适 ### 10.11.1 — 2025-11-19 【优化】首页性能优化，操作更流畅 【升级】部分界面UI升级，页面更美观 【修复】已知问题修复，体验更舒适 ## Apps similar to 拍拍贷借款 | App | Rating | Price | Category | | --- | --- | --- | --- | | [随星借](https://appshunter.io/ios/app/id1236629993) | 4.7 (264) | Free | Finance | | [融360-贷款、信用卡资讯](https://appshunter.io/ios/app/360/id1026689855) | 4.4 (41) | Free | Finance | | [洋钱罐借款 - 分期贷款借钱平台](https://appshunter.io/ios/app/id1410049631) | 4.6 (521) | Free | Finance | | [分期乐](https://appshunter.io/ios/app/id906611031) | 2.6 (234) | Free | Finance | | [借钱呗 - 极速版](https://appshunter.io/ios/app/id1635093491) | 3.8 (19) | Free | Finance | ## More apps by 上海拍拍贷金融信息服务有限公司 - [羚羊财富-纽交所上市大平台](https://appshunter.io/ios/app/id956052053) All apps by 上海拍拍贷金融信息服务有限公司: https://appshunter.io/developer/956052052 ## Related topics [借钱 小额](https://appshunter.io/ios/topics/借钱-小额) · [分期乐](https://appshunter.io/ios/topics/分期乐) · [借钱](https://appshunter.io/ios/topics/借钱) · [financial information](https://appshunter.io/ios/topics/financial-information) · [分期](https://appshunter.io/ios/topics/分期) · [贷款](https://appshunter.io/ios/topics/贷款) · [贷款 公积金](https://appshunter.io/ios/topics/贷款-公积金) · [zhangshangshenghuo](https://appshunter.io/ios/topics/zhangshangshenghuo) · [260](https://appshunter.io/ios/topics/260) · [京东金融](https://appshunter.io/ios/topics/京东金融) --- *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 2026-09-12.*