aiBank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

It suits borrowers who want speed and direct dealing, and less those who plan to settle a loan early, since free early repayment is no.

Key facts

Best for
Borrowers in China who want a fast personal loan or credit line from the lender itself.
Loan amount
up to CN¥300,000 (Source, checked September 26, 2026)
Arrangement fee
Personal credit loan installment service fee 0.75%-0.90% per month, charged instead of normal interest on specific products (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Fastest 1 minute disbursement (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Origination fee (%)
0.75% to 0.9% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line (Source, checked September 26, 2026)
Legal entity
CITIC aiBank Corporation Limited (中信百信银行股份有限公司) (Source, checked September 26, 2026)
Headquarters
China (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
aibank.com

Pros and cons

Pros

  • Funds arrive on Fastest 1 minute disbursement, quicker than most lenders on the site
  • A personal loan and a credit line sit in the same account
  • A direct lender rather than a broker, so terms come from one provider
  • Help runs on phone, chat and help centre

Cons

  • Free early repayment is no, so settling a loan early carries a cost
  • The credit check is hard, so a declined application can affect the credit file
  • On some products an arrangement fee of 0.75% to 0.9% is charged instead of normal interest

Ready to try aiBank?

Scored 9.0 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in China who need money quickly and can handle a full credit check
  • Anyone who wants a personal loan and a credit line from a single lender
  • People who will let repayments run to the end rather than clear them early

Who should look elsewhere

  • Anyone planning to repay early, since free early repayment is no
  • Borrowers with a thin credit file, because the credit check is hard
  • Anyone chasing the lowest headline rate alone, because an arrangement fee of 0.75% to 0.9% can replace normal interest

How aiBank compares

Where aiBank is available

Available
China
Licence in China
Banking financial licence (金融许可证) published on the bank's qualifications page; issuing regulator not named on the page, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from aiBank?+

aiBank lends up to CNY 300,000 in China, and that ceiling covers the personal loan and the credit line alike. The account you choose sets the limit rather than a separate cap for each product, so a larger borrowing need sits within the same range.

What does borrowing cost at aiBank?+

The headline charge is a monthly installment service fee of 0.75% to 0.9% on specific products, charged on those products in place of normal interest. Elsewhere the usual interest applies, so the fee is worth weighing against the rate before you apply.

How fast does aiBank send the money?+

aiBank states Fastest 1 minute disbursement, faster than the pace most lenders on the site manage. Speed is a feature of the account rather than a guarantee on its own, so the gap between approval and your money can still vary.

Can I get a credit line as well as a loan from aiBank?+

Yes. aiBank offers a credit line alongside a personal loan, so a revolving facility and a fixed loan sit in the same account. A credit line suits spending you draw and repay, while the personal loan fits a single planned lump sum.

Is my money protected at aiBank?+

aiBank publishes a banking financial licence on its qualifications page, though the issuing regulator is not named there. As a direct lender, CITIC aiBank Corporation Limited (中信百信银行股份有限公司) lends its own money rather than passing your application to another provider.

Can I repay an aiBank loan early without a charge?+

Free early repayment is no, so clearing a loan before the end carries a cost. Borrow only if repayments to the end sit comfortably, or check the current terms with the bank before you commit.

What credit check does aiBank run?+

The credit check is hard, meaning a full search and a real decision on your file. Apply only once you are ready to take the offer, since a declined application can be recorded against your credit history.

How do I get help from aiBank?+

You can reach aiBank on phone, chat and help centre, which covers phone, live chat and a help centre. The lender operates in China, so a phone conversation is the quickest route to a question about a fee or a term.

Sources

  • aibank.com checked September 26, 2026

    Backs: Loan amount, Features, Funding time, Lender type, Loan types, Support channels

    “HaoHuaHua consumer credit: 额度高 最高可借30万 (up to CNY 300,000 borrowable)”

  • citicaibank.cn/dbwzl/gxwm/xgzz/index.shtml checked September 26, 2026

    Backs: Licences

  • citicaibank.cn/dbwzl/jrsx/bwjmb/index.shtml checked September 26, 2026

    Backs: Free early repayment, Headquarters, Legal entity, Arrangement fee, Origination fee (%)

    “根据产品类别按付款总额的一定比例收取 (charged as a proportion of the total installment amount) 0.75%-0.90% per month”

  • citicaibank.cn/xbzqy/kslc/277432.shtml checked September 26, 2026

    Backs: Credit check

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Term, Representative example.

aiBank

Borrowers in China who want a fast personal loan or credit line from the lender itself.

9.0/10See alternatives

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