From the name, 360 IOUs and 360 loans are like different names of the same product. Because of the similar names, many people will understand these two products as the same product, but in fact they are not the same product, and they are still very different in terms of nature, operation mode and application scope. If we have to pick out their similarities, it is that both 360 IOUs and 360 IOUs are related to 360 Finance.
The first thing to mention is the ownership of 360 IOUs and 360 IOUs. They do not belong to the same company. 360 IOUs belong to 360 financial products, and 360 loans belong to 360 Jin Fu products. 360 Finance and 360 Jin Fu are interrelated companies. The operating company of 360 Jin Fu is Beijing Qibu Tianxia Technology Co., Ltd., while 360 Finance was hatched by 360 Jin Fu and started to operate independently on 20 18.
The second thing to say is the nature difference between 360 IOUs and 360 IOUs. 360 borrowings can be known from the name as an online loan platform. Users need to provide their personal information and telephone number, so they can borrow money on this platform, and they can borrow different amounts according to different credit ratings. The full name of 360 Loan is 360 Loan Navigation, which is the release and promotion platform of loan products and services launched by 360 Jin Fu. Simply put, 360 Loan is actually a platform similar to a loan product store, on which some loan products will be released for users to choose.
In addition to their different properties, their scope of use is also different. This can be seen from their product model. As long as you fill in your personal information and phone number, you can make a cash loan. In addition, 360 IOUs will also provide installment purchase of goods to services. From this perspective, 360 IOUs are mainly for ordinary users. As a loan platform, 360 Loan has more extensive and specific loan services, for example, not only for ordinary individuals, but also for merchants with greater demand for loan quotas. In addition, it also provides services for applying for bank credit cards.
In addition to the differences mentioned above, users should also pay attention to the threshold when using 360 IOUs and 360 loans. Because the 360 loan is for ordinary users, the threshold is relatively low. As long as it reaches the rating of the third-party credit information system and meets the basic conditions, users can apply for loans, but the amount of loans is different, and the threshold of 360 loans is still relatively high, because it will pay more attention to the risk and credit degree of customers.
After understanding the basic information of 360 IOUs and 360 loans, I believe there will be no confusion between these two products with the word 360. Of course, this also reminds us that when using online financial services, we must understand the specific purpose and nature of each product. Maybe two products with similar names have different functions and attributes.
I owe you the address of Shijingshan in Beijing.
I applied for a 360 loan navigation account, because it is not suitable, and there is no loan. I want to cancel my account, but the other party won't cancel it. What should I do? I want to complain, but I don't know which department to look for and how to complain. You have legal problems, too? You can post a consultation.
_ _ Community _ Loan and Financial Management _ Small Cash Loan _360 Loan Navigation Disappeared? Post a reply and return to the list: Reply: Has the repayment disappeared in the loan navigation?
_ _ Let's sort out the eight audit-free platforms similar to Mi Bao!
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__ 1, hades loan
Review of the whole plane, second arrival
_ _ Approval method: machine approval
Lending speed: same day
_ _ Credit Request: No.
Duration: 7 days/14 days
Line: 1000-5000
I have never played these messy online loans. When I got up in the morning, I opened it. 360 loan navigation sent me text messages, made false propaganda, arranged loans, deceived me to fill in account information, and demanded punishment. No more false propaganda, no more.
2. Love the street
Audit method: computer audit
_ _ Application Raiders: Pay more attention if you don't measure it. If there is a preliminary stage, please do not apply.
Duration: 3~ 12.
Credit request: No.
Lending speed: same day
_ _ Line: 5000-8000
Is it dangerous to authenticate ID cards and faces on the 360 loan navigation? Guangdong-Guangzhou: 54 Detailed description of creditor's rights and debts (problems encountered, process occurred, and what kind of help you want): 360 certification on loan navigation.
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3. Microfinance and multi-table loans
__5W line can be borrowed at will.
_ _ Loan speed: 30 minutes
Credit request: Not required.
_ _ Term: 6 months/12 months
_ _ Approval Method: Manual approval
Application guide: required information: the second-generation ID card of mainland residents and my mobile phone number in the real-name registration system. Registration conditions: 18-45 years old except Hong Kong, Macao and Taiwan.
Amount: up to 50,000 yuan.
_ _ Received a message from 360 Loan Navigation, saying that he didn't want to borrow money during the real audit. Will there be a problem? I said on Alipay that I would give out red envelopes. As soon as I filled in the number, 360 borrowed money and submitted it. You can borrow money even if you fill in the number.
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Step 4 rent a wallet
_ _ Multiple employers submit with one click and match automatically.
_ _ line: 30-300,000.
Term: 1-36.
Lending speed: same day
Credit requirements: depending on the lender.
Audit method: computer audit
_ _ official website mailbox @. Net company address Room 2, Building 3, No.30 Shixing Street, Shijingshan District, Beijing View map Brand Introduction 360 Loan Navigation is a company.
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Step 5 speed up
New products, there are seconds to pay.
_ _ Lending speed: the same day
Line: 1000-5000
Duration: 12-24
Credit request: Not required.
Audit method: manual audit
__360 loan navigation is an online loan artifact, and you can find suitable loan products anytime and anywhere. What about 360 loan navigation? What are the functional features? Let's have a look. 360 loan navigation app download link: http:/
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__6, peace of mind
Redeem points with peace of mind and realize in seconds.
Duration: 12-24
Credit request: No.
_ _ Application Raiders: Credit Card Points Redemption in 40 Banks Mobile Unicom Telecom Points Redemption
1360 loan navigation hotline, when applying for a loan, you must make a reasonable loan plan, choose the loan amount and repayment period according to your repayment ability, and don't borrow too much; After that, I successfully got the loan, which was really reliable.
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__7, salary
_ _ You can lend money every second if you have a job.
Lending speed: 10 minute
_ _ application strategy: loan amount: maximum 12000 loan term: 15 days-1 month application materials: work information, common contacts, personal data, as long as the bank card is bound.
Duration: within one month
_ _ Line: 500- 12000
_ _ Published on: 08| Show all floors Chester published on: 58 No, it's 360 loan navigation. Everyone else in your 360 miles is late. No reply to support against reporting.
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__8, gold and silver treasures
New cut, the fastest payment is three minutes.
Quota: 2000-5000
Credit request: Not required.
Duration: 24
Audit method: manual audit
_ _ Lending speed: the same day
_ _ Hello friend, you can use 360 IOUs now. It is a platform with formal procedures under 360. 0 Other Answers (1) Everything you want to know is solved here: how to ask questions and how to answer them for beginners.
Is the 360 loan reliable? Will it lie?
360 loans can't be completely deceptive, but loans need to be cautious. In fact, 360 is a regular website, it won't, won't deceive people, and it may be risky, but it mainly depends on the specific situation of both borrowers and borrowers, as long as it is repaid on time, it will be fine. However, you can't get a 360 loan if you want. First of all, you must have a good letter of credit, and you must ensure that you have the repayment ability before you can apply for a loan.
360 loan refers to the loan recommended by 360 finance company. Because 360 Finance Company itself does not have the qualification for lending, 360 cooperates with other lending platforms.
360 helps the loan platform to obtain traffic, and the loan platform obtains accurate customers with loan needs from the 360 platform.
Therefore, the 360 loan itself is not a loan product, but more is to provide loan navigation services for users. The user applies for a loan at 360, and the loan service is provided by the lending institution. If users have any questions, they need to contact the lending institution directly.
1.360 IOU is the first loan product launched by 360 Finance. As one of the largest Internet security service providers in China, Qihoo 360 Group is striving to build a new Internet financial empire. Overall evaluation of customer credit based on 360 big data, and providing instant cash loans on this basis; The advantages of 2.360 IOUs focus on the large number of users, high activity, massive user credit data and behavior data, advanced Internet technology, convenient experience and professional and high-quality team;
3.360 Group has more than 500 million PC users and more than 700 million smartphone users, with high user usage rate. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers, and Android mobile phone application market operations. Large platform enterprises can make users feel more at ease! How about the security of 360 IOUs?
360 IOUs has taken multiple measures in safety and risk prevention and control:
1. Establish users' credit portraits, and 360 IOUs establish a credit system based on sufficient social network data, which will sort out each user's credit behavior portraits and grade users' credit lines.
2.360 IOUs establish a social behavior model, and 360 IOUs establish a credit score calculation system based on the user's social circle, taking the user's personal connections as a reference for credit rating. And will also establish a white list and blacklist system. Open a green channel for high-quality credit users, on the other hand, provide blacklisted users' queries to prevent users from applying repeatedly, applying for non-users and false information. , to prevent cliques. 3. Owner's leading security technology, relying on 360' s leading cloud security system, 360 borrows a number of technologies to protect users' data security, privacy security and account security. Professional and high-quality team, 360 has a leading domestic high-level security technology team and a risk control team from large domestic first-line financial institutions.
However, life is beautiful, and loans need to be cautious!
360 loan navigation interest
The calculation method of 360 financial loan interest is as follows:
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.
(3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.
(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest.
(V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.
Let's not talk about official website's introduction to 360 loan navigation.