v3.26.3
Schedule of Bank Borrowings (Details) - CNY (¥)
¥ in Thousands
 6 Months Ended
Jun. 03, 2026
Apr. 28, 2026
Apr. 22, 2026
Dec. 03, 2025
Jun. 30, 2026
Dec. 31, 2025
Short-Term Debt [Line Items]            
Total borrowings         ¥ 98,190 ¥ 90,300
Loan repaid ¥ 200 ¥ 10,000 ¥ 200 ¥ 200    
China Minsheng Bank One [Member]            
Short-Term Debt [Line Items]            
Maturity date [1]         January 14, 2026  
Principal amount [1]         ¥ 9,900  
Interest rate per annum [1]         2.80%  
Total borrowings [1]         9,900
China Minsheng Bank Two [Member]            
Short-Term Debt [Line Items]            
Maturity date [1]         November 3, 2026  
Principal amount [1]         ¥ 9,900  
Interest rate per annum [1]         2.50%  
Total borrowings [1]         ¥ 9,900 9,900
Bank of Beijing One [Member]            
Short-Term Debt [Line Items]            
Maturity date [2]         June 5, 2026  
Principal amount [2]         ¥ 10,000  
Interest rate per annum [2]         2.80%  
Total borrowings [2]         10,000
Bank of Beijing Two [Member]            
Short-Term Debt [Line Items]            
Maturity date [2]         June 19, 2026  
Principal amount [2]         ¥ 10,000  
Interest rate per annum [2]         2.80%  
Total borrowings [2]         10,000
Industrial Bank One [Member]            
Short-Term Debt [Line Items]            
Maturity date [3]         May 29, 2026  
Principal amount [3]         ¥ 5,000  
Interest rate per annum [3]         2.80%  
Total borrowings [3]         5,000
Industrial And Commercial Bank Of China [Member]            
Short-Term Debt [Line Items]            
Maturity date [4]         June 26, 2026  
Principal amount [4]         ¥ 5,000  
Interest rate per annum [4]         2.35%  
Total borrowings [4]         5,000
Industrial And Commercial Bank Of China One [Member]            
Short-Term Debt [Line Items]            
Maturity date [4]         June 26, 2026  
Principal amount [4]         ¥ 5,000  
Interest rate per annum [4]         2.35%  
Total borrowings [4]         5,000
Industria And Commercial Bank Of China Two [Member]            
Short-Term Debt [Line Items]            
Maturity date [5]         June 26, 2026  
Principal amount [5]         ¥ 5,000  
Interest rate per annum [5]         2.35%  
Total borrowings [5]         5,000
Bank of China [Member]            
Short-Term Debt [Line Items]            
Maturity date [6]         June 30, 2026  
Principal amount [6]         ¥ 10,000  
Interest rate per annum [6]         2.15%  
Total borrowings [6]         10,000
Bank of China One [Member]            
Short-Term Debt [Line Items]            
Maturity date [6]         April 30,2027  
Principal amount [6]         ¥ 10,000  
Interest rate per annum [6]         2.24%  
Total borrowings [6]         ¥ 10,000
Bank of Shanghai [Member]            
Short-Term Debt [Line Items]            
Maturity date [7]         September 8, 2026  
Principal amount [7]         ¥ 5,000  
Interest rate per annum [7]         2.40%  
Total borrowings [7]         ¥ 5,000 5,000
Bank of Shanghai One [Member]            
Short-Term Debt [Line Items]            
Maturity date [8]         August 28, 2026  
Principal amount [8]         ¥ 5,000  
Interest rate per annum [8]         2.40%  
Total borrowings [8]         ¥ 5,000 5,000
China CITIC Bank [Member]            
Short-Term Debt [Line Items]            
Maturity date [9]         December 30, 2026  
Principal amount [9]         ¥ 700  
Interest rate per annum [9]         2.80%  
Total borrowings [9]         ¥ 700 700
China CITIC Bank One [Member]            
Short-Term Debt [Line Items]            
Maturity date [9]         March 23,2027  
Principal amount [9]         ¥ 9,300  
Interest rate per annum [9]         2.50%  
Total borrowings [9]         ¥ 9,300
Bank of Beijing Three [Member]            
Short-Term Debt [Line Items]            
Maturity date [10]         May 8, 2027  
Principal amount [10]         ¥ 4,800  
Interest rate per annum [10]         2.60%  
Total borrowings [10]         ¥ 4,600 4,800
Bank of Beijing Four [Member]            
Short-Term Debt [Line Items]            
Maturity date [10]         May 8, 2027  
Principal amount [10]         ¥ 5,000  
Interest rate per annum [10]         2.60%  
Total borrowings [10]         ¥ 4,800 5,000
Bank of Beijing Five [Member]            
Short-Term Debt [Line Items]            
Maturity date [10]         May 8, 2027  
Principal amount [10]         ¥ 5,000  
Interest rate per annum [10]         2.60%  
Total borrowings [10]         ¥ 5,000
Bank of Beijing Six [Member]            
Short-Term Debt [Line Items]            
Maturity date [10]         May 8, 2027  
Principal amount [10]         ¥ 4,000  
Interest rate per annum [10]         2.60%  
Total borrowings [10]         ¥ 4,000
China Minsheng Bank Three [Member]            
Short-Term Debt [Line Items]            
Maturity date [11]         April 16,2027  
Principal amount [11]         ¥ 9,900  
Interest rate per annum [11]         2.80%  
Total borrowings [11]         ¥ 9,900
China Minsheng Bank Four [Member]            
Short-Term Debt [Line Items]            
Maturity date [11]         May 27,2027  
Principal amount [11]         ¥ 4,990  
Interest rate per annum [11]         2.80%  
Total borrowings [11]         ¥ 4,990
Industrial Bank Two [Member]            
Short-Term Debt [Line Items]            
Maturity date [12]         May 28,2027  
Principal amount [12]         ¥ 5,000  
Interest rate per annum [12]         2.60%  
Total borrowings [12]         ¥ 5,000
Industrial And Commercial Bank Of China Three [Member]            
Short-Term Debt [Line Items]            
Maturity date [13]         October 1,2026  
Principal amount [13]         ¥ 5,000  
Interest rate per annum [13]         2.35%  
Total borrowings [13]         ¥ 5,000
Industrial And Commercial Bank Of China Four [Member]            
Short-Term Debt [Line Items]            
Maturity date [13]         June 23,2027  
Principal amount [13]         ¥ 5,000  
Interest rate per annum [13]         2.35%  
Total borrowings [13]         ¥ 5,000
Industrial And Commercial Bank Of China Five [Member]            
Short-Term Debt [Line Items]            
Maturity date [14]         March 6,2027  
Principal amount [14]         ¥ 5,000  
Interest rate per annum [14]         2.35%  
Total borrowings [14]         ¥ 5,000
Industrial And Commercial Bank Of China Six [Member]            
Short-Term Debt [Line Items]            
Maturity date [14]         March 6,2027  
Principal amount [14]         ¥ 5,000  
Interest rate per annum [14]         2.35%  
Total borrowings [14]         ¥ 5,000
[1] On November 6, 2024, the Group entered into a RMB30.0 million credit facility with China Minsheng Bank that will expire on November 5, 2025 to support its operations, which was jointly guaranteed by Cheche Insurance Sales & Service Co., Ltd. (“Cheche Insurance”), a subsidiary of VIE and Baodafang. Under this credit facility, the Group drew down RMB9.9 million on January 14, 2025, and fully repaid such loan in full on January 14, 2026. In addition, the Group drew down another RMB9.9 million under this credit facility on November 3, 2025. There are no financial covenants for the credit facility.
[2] On June 20, 2024, Baodafang entered into a RMB50.0 million (updated to RMB20.0 million on December 25, 2024) credit facility with the Bank of Beijing that will expire on June 19, 2026 to support its operations, which was guaranteed by Beijing Cheche. On June 10, 2025, Beijing Cheche entered into non-recourse factoring agreement with the Bank of Beijing, whereby the Bank of Beijing would settle Baodafang’s accounts payable by providing RMB10.0 million to Baodafang’s supplier, Beijing Cheche. The interest was prepaid in 2025 and the principal has been repaid upon maturity on June 5, 2026. In addition, under this credit facility, the Group drew down RMB10.0 million on June 19, 2025, which were repaid on June 18, 2026.
[3] On May 30, 2025, the Group entered into a loan contract of RMB5.0 million with the Industrial Bank Co., Ltd. (“Industrial Bank”) that will expire on May 29, 2026 to support its operations, which was guaranteed by Cheche Insurance. The loans of RMB 5.0 million have been repaid on May 28, 2026.
[4] On October 14, 2025, the Group entered into a loan contract of RMB10.0 million with the Industrial and Commercial Bank of China that will expire on June 26, 2026 to support its operations, which was jointly guaranteed by Baodafang and Cheche Insurance. The loans of RMB 10.0 million have been repaid on June 24, 2026.
[5] On June 27, 2025, the Group entered into a loan contract of RMB5.0 million with the Industrial and Commercial Bank of China that will expire on June 26, 2026 to support its operations, which was guaranteed by Beijing Cheche and Cheche Insurance. The loans of RMB5.0 million have been repaid on June 24, 2026.
[6] On June 30, 2025, the Group entered into a RMB10.0 million credit facility with the Bank of China that will expire on June 28, 2026 to support its operations, which was guaranteed by Beijing Cheche. Under this credit facility, the Group drew down RMB10.0 million on June 30, 2025, and the loans of RMB10.0 million have been repaid on April 28, 2026. In addition, the Group drew down RMB10.0 million under this credit facility on April 30, 2026. There are no financial covenants for the credit facility.
[7]  On December 8, 2025, the Group entered into a RMB5.0 million credit facility with the Bank of Shanghai that will expire on August 24, 2026 to support its operations, which was guaranteed by Cheche Insurance. Under this credit facility, the Group drew down RMB5.0 million on December 8, 2025. There are no financial covenants for the credit facility.
[8] On November 28, 2025, the Group entered into a RMB5.0 million credit facility with the Bank of Shanghai that will expire on August 26, 2026 to support its operations, which was guaranteed by Cheche Insurance. Under this credit facility, the Group drew down RMB5.0 million on November 28, 2025. There are no financial covenants for the credit facility.
[9] On December 29, 2025, the Group entered into a RMB10.0 million credit facility with China CITIC Bank that will expire on December 20, 2026 to support its operations, which was guaranteed by Beijing Cheche. Under this credit facility, the Group drew down RMB0.7 million on December 31, 2025 and RMB9.3 million on March 24, 2026, respectively. There are no financial covenants for the credit facility.
[10] On May 8, 2025, the Group entered into a RMB20.0 million credit facility with the Bank of Beijing that will expire on May 8, 2027 to support its operations, which was secured by a deposit pledge of USD3.0 million. Under this credit facility, the Group drew down RMB5.0 million on June 3, 2025, of which RMB0.2 million of principal was repaid on December 3, 2025 and an additional RMB0.2 million of principal was repaid on June 3, 2026. The Group further drew down another RMB5.0 million on October 22, 2025, of which RMB0.2 million of principal was repaid on April 22, 2026. In addition, the Group drew down RMB5.0 million on March 13, 2026 and RMB4.0 million on March 26, 2026, respectively. As of June 30, 2026, the loans of RMB4.6 million and RMB4.8 million were reclassified from long-term borrowings to short-term borrowings as the maturity dates were within one year. There are no financial covenants for the credit facility.
[11] On March 30, 2026, the Group entered into a RMB15.0 million credit facility with China Minsheng Bank that will expire on March 29, 2027 to support its operations, which was secured by a deposit pledge of USD2.4 million. Under this credit facility, the Group drew down RMB9.9 million on April 16, 2026 and RMB5.0 million on May 27, 2026, respectively. There are no financial covenants for the credit facility.
[12] On May 25, 2026, the Group entered into a RMB5.0 million credit facility with Industrial Bank that will expire on May 24, 2027 to support its operations, which was guaranteed by Cheche Insurance. Under this credit facility, the Group drew down RMB5.0 million on May 29, 2026. As of June 30, 2026, the Group is in compliance with all of the loan covenants.
[13] On June 24, 2026, the Group entered into two loan contracts each in the amount of RMB5.0 million with the Industrial and Commercial Bank of China, that will expire on October 1, 2026 and June 23, 2027 respectively to support its operations, which were guaranteed by Beijing Cheche and Cheche Insurance. There are no financial covenants for the credit facility.
[14] On June 24, 2026, the Group entered into two loan contracts each in the amount of RMB5.0 million with the Industrial and Commercial Bank of China, that both will expire on March 6, 2027 to support its operations, which were guaranteed by Cheche Insurance and Baodafang. There are no financial covenants for the credit facility.