How can I obtain a successful loan using 360 IOU?

To successfully obtain an IOU loan from 360, the borrower must first meet the following requirements:

1. Be at least 18 years old (inclusive) and no older than Fifty-five years old and a resident of mainland China with full capacity for civil conduct.

2. Non-college students (360 IOU temporarily refuses to provide loan services to college students).

3. Have a stable and legal source of economic income and the ability to repay the principal and interest of the loan on time.

4. The personal credit is good, and there are no bad records or serious negative information in the credit report.

In addition, everyone also needs to pay attention to the following points:

1. A certificate can only be bound to one mobile phone number, and other mobile phone numbers cannot be used for secondary applications.

2. The original ID card must be used when applying. ID photos, temporary ID cards or expired ID cards may cause the application to fail.

3. Currently, only applications using personal real-name savings cards are supported, excluding supplementary cards. The supported banks mainly include ICBC, ICBC, China Construction Bank, China Post Bank, Postal Savings Bank, Everbright, China Merchants Bank, Shanghai Pudong Development Bank, CITIC, Minsheng Bank, Industrial Bank, Guangfa Bank, Huaxia Bank and Ping An Bank (specifically, please refer to the page display). What conditions are required for 360 IOU

1. What are the conditions that need to be met to apply for 360 IOU

1. There are age requirements. According to regulations, only those who are over 18 years old and not over Applicants who are 55 years old can apply for 360 IOU. At the same time, only users holding mainland resident ID cards can apply. Users holding Hong Kong, Macao and Taiwan ID cards cannot apply for 360 IOU

2. The bank card provided when applying is also available. According to regulations, when applying for a 360 IOU, the bank cards that need to be provided only include savings cards from the following banks: CITIC, Industrial and Commercial, Construction, Transportation, Everbright, Pudong Development, Postal Savings, China Merchants, Agricultural Bank of China, CITIC, Ping An Bank, Industrial, Minsheng, Guangfa, Huaxia, etc. It should be noted that only debit cards can apply for 360 IOUs, and credit cards cannot apply for 360 IOUs.

3. When applying for a 360 IOU, you need to ensure that there are no problems with your personal credit record. Users who have no serious credit problems in the credit reporting system of the People's Bank of China can apply for a 360 IOU. If you have credit issues, your application may fail.

4. If you need to apply for a 360 IOU, you need to ensure that the mobile phone number used when applying is your own and has completed real-name registration. Application cannot be completed without a mobile phone number registered with real-name.

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2. How to apply for a 360 IOU more easily

Through the above-listed conditions that need to be met to apply for a 360 IOU, it is not difficult for us to see In fact, it is not very difficult to apply for a 360 IOU. As long as these conditions are met, there is still a high hope that you can apply for a loan. At the same time, in order to allow the 360 ??platform to complete the review as soon as possible and make the loan. Here we also summarize some methods for you.

1. When applying for 360 IOU, the platform will ask for some materials. If you can provide as many supporting documents as possible, such as income certificate and social security certificate. Provident fund payment certificates, unit certificates, etc. can effectively allow the platform to confirm the applicant's repayment ability, and can also complete the review and loan more quickly.

2. Many users fail when applying for 360 IOUs because their debt ratio is too high. Therefore, when applying for 360 IOUs, they need to reduce their liabilities to the minimum level, such as credit card debt. payment or other debts owed.

3. If you have a credit card in your name, it can help the platform complete credit granting. Therefore, before applying for a 360 IOU, the applicant can also apply for a credit card to increase the chance of successful application.

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3. What issues need to be paid attention to when applying for 360 IOU

1. When submitting an application for the 360 ??IOU platform, applicants need to be aware of themselves Make an assessment of your credit situation to ensure that you can meet the relevant requirements for platform application.

2. When using the 360 ??IOU platform to borrow money, you need to pay attention to the repayment date stipulated in the agreement to ensure that you can repay as agreed, so as not to incur more penalty interest, and at the same time affect your personal credit report, giving normal credit It brings a lot of inconvenience to our working life.

3. The 360 ??IOU platform will classify users. For some whitelisted users with high credit ratings and good credit status, it will be much more convenient to borrow money on the platform. However, for some whitelisted users with poor credit ratings and good credit status, Bad blacklist users will be reviewed very strictly to reduce the risk of not being able to repay on time.

4. Users need to be reminded that they must download the 360 ??IOU app from a regular download platform to avoid being defrauded by accidentally downloading some fake apps. What conditions are required for 360 IOU loans

360 IOU is a personal and small and micro credit platform under 360 Finance. Like most lending platforms on the market, it evaluates customers’ credit and provides timely Loans received. Its application requires providing facial information to complete facial recognition. At the same time, it needs to upload photos of the front and back of the ID card for real-name authentication. Secondly, it needs to accurately fill in the bank card information and bind the bank card. Finally, it needs to fill in the mobile phone number of a relative or friend to keep in touch.

The emergency channel for any consumption of advertising will be credited quickly!

There are four conditions required for 360 IOU loans. First of all, to apply for a 360 IOU, you need to provide facial information and complete facial recognition. Secondly, it needs to upload photos of the front and back of the ID card for real-name authentication. Thirdly, it needs to accurately fill in the bank card information and bind the bank card. Finally, it needs to fill in the mobile phone number of a relative or friend to ensure that it can be contacted through this number. Just be yourself. The lending standards of 360 IOUs are still very loose. As long as your credit is good, there will be no problem. Is it easy to pass 360 IOU? 360 IOU application conditions

With the development of the Internet, people not only have an increasing demand for online loans, but also have an increasing demand for online loans. So what about the 360 ??IOU that people call it?

According to online information, 360 IOU relies on Qihoo 360’s data, traffic, and technology. 360 IOU is an unsecured, purely online consumer credit platform launched by 360 Finance, focusing on providing instant services to individuals and small and micro businesses. Loan service to the account. Conduct an overall assessment of customer credit based on 360 big data.

So the question is, is it easy to pass 360 IOU? 360 IOUs are generally passed. 360 IOUs are based on 360 Credit, an independent third-party credit assessment and management agency under 360. Based on comprehensive considerations such as credit risk, payment habits, consumption conditions, etc., users will be granted different consumption limits. Therefore, if you meet the review requirements of 360 IOU and have good personal credit, it will be easy to pass. After passing, you can open the loan.

How is the payment speed of 360 IOU? I learned from 360 IOU official that everyone’s loan application will usually have a loan result within 10 minutes. If the entire loan process goes smoothly, you can get a loan as quickly as about 5 minutes. Under normal circumstances, after your loan is successfully disbursed, you will receive a reminder text message from 360 IOU.

So the question comes again, what are the application conditions for 360 IOU loans?

First, the borrower must hold a resident ID card from mainland China. In other words, residents or foreigners from Hong Kong, Macau, and Taiwan cannot apply for a 360 IOU.

Second, the borrower must be over 18 years old, but not over 55 years old. There are no specific restrictions on the borrower’s job and income. Office workers, self-employed people, and freelancers can all apply.

The third is that the borrower's personal central bank credit record is good, and he has no serious bad loan records in the past five years, and he cannot be included in the list of dishonest persons by the court.

As long as the user’s credibility is not bad and the basic application conditions are met, 360 IOUs can generally be approved.