This page is not an official page of the app or its developer, but an independent editorial publication created for informational and commentary purposes. Unless expressly stated otherwise, neither the app nor its developer is affiliated with, endorsed by, sponsored by, authorized by, or otherwise officially connected with MWM, Apple, Google Play, the app publisher, or the app's developer, and nothing on this page implies that the app was developed using MWM's services. Any trademarks, logos, screenshots, and other content remain the property of their respective owners.

分期乐

Join over 150 million users on our Nasdaq-listed platform. Secure up to ¥200,000 with smart AI approvals, transparent rates, and 30 days of interest-free shopping for new members.

Key Figures

Downloads

47M+

User Rating

4.0/5

Total Ratings

706K+

Publisher

Shenzhen Fenqile Network Technology Co., Ltd.

Smart Financing for Your Global Lifestyle

Bridging the credit gap for Chinese expats and students with transparent, AI-driven financial services and a premium shopping experience.

Credit Without Borders

Access credit limits up to 200,000 RMB using our smart AI approval system, designed for those without a long-term US credit history.

NASDAQ-Listed Security

Trusted by over 150 million users, our platform offers bank-level security and fully transparent fee structures you can rely on.

FAQ

Frequently Asked Questions

Everything you need to know about 分期乐

What is the maximum loan amount available with 分期乐 (Fēnqī Lè)?

分期乐 (Fēnqī Lè) offers a maximum loan amount of 200,000 RMB. This is available through online application and intelligent approval.

Does 分期乐 (Fēnqī Lè) offer an interest-free period for new users?

Yes, new users on 分期乐 (Fēnqī Lè) can enjoy an interest-free period of up to 30 days. This is a special welfare benefit for newcomers.

How fast is the loan approval and disbursement process with 分期乐 (Fēnqī Lè)?

分期乐 (Fēnqī Lè) offers a fast application and approval process. Funds can be disbursed to the user's account in as little as 1 minute after approval.

What are the annual interest rates for loans on 分期乐 (Fēnqī Lè)?

The annual interest rate for "乐花借钱" on 分期乐 (Fēnqī Lè) ranges from 8% to 24%. The final rate depends on individual qualifications and platform approval.

Is 分期乐 (Fēnqī Lè) a legitimate and secure lending platform?

Yes, 分期乐 (Fēnqī Lè) is a legitimate and secure platform. It is part of Lexin, a Nasdaq-listed company (LX), using AI and big data risk control with bank-level security. Loan funds are provided by licensed financial institutions.

How many users trust 分期乐 (Fēnqī Lè)?

分期乐 (Fēnqī Lè) is trusted by over 200 million users. It serves as a reliable platform for cash loans, installment shopping, and flexible repayment options.

Can users increase their loan limit on 分期乐 (Fēnqī Lè)?

Yes, 分期乐 (Fēnqī Lè) offers multiple ways to help users increase their loan limit. These methods include providing bank statements, provident fund details, bill statements, and consistent on-time repayments.

Does 分期乐 (Fēnqī Lè) offer installment shopping?

Yes, 分期乐 (Fēnqī Lè) provides an installment shopping mall. Users can purchase genuine, quality-guaranteed products and repay in convenient installments.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

分期乐 - Fenqile app marketing screen showing a 200,000 RMB maximum credit limit and Mascot character. — Fenqile app marketing screen showing a 200,000 RMB maximum credit limit and Mascot character.

分期乐 - Fenqile app interface showing a 30 day interest free promotion for new users. — Fenqile app interface showing a 30 day interest free promotion for new users.

分期乐 - A mobile screenshot of the Fenqile app showing a loan application interface with a 10,000 RMB loan request and an 8 percent annual interest rate. — A mobile screenshot of the Fenqile app showing a loan application interface with a 10,000 RMB loan request and an 8 percent annual interest rate.

分期乐 - Fenqile mobile app screen displaying a 200,000 credit limit and quick application options in Chinese. — Fenqile mobile app screen displaying a 200,000 credit limit and quick application options in Chinese.

分期乐 - Promotional screenshot of Fenqile app featuring its Nasdaq listing status and partnerships with major banks. — Promotional screenshot of Fenqile app featuring its Nasdaq listing status and partnerships with major banks.

分期乐 - A mobile interface for the Fenqile app showing a 50,000 credit limit and options to link Alipay and WeChat for weekly discounts. — A mobile interface for the Fenqile app showing a 50,000 credit limit and options to link Alipay and WeChat for weekly discounts.

分期乐 - Fenqile app interface displaying diverse shopping categories for installment purchases — Fenqile app interface displaying diverse shopping categories for installment purchases

Description

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。