360 IOU is a personal and microfinance platform under 360 Finance. Like most loan platforms in the market, it evaluates customers' credit and provides loans in time. Its application needs to provide face information and complete face recognition. At the same time, you need to upload photos of the front and back of your ID card for real-name authentication. Secondly, you need to fill in the bank card information accurately and bind the bank card. Finally, it needs to fill in the mobile phone numbers of relatives and friends in order to keep in touch.

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There are four conditions for borrowing 360 IOUs. First of all, the application of 360 IOUs needs to provide face information to complete face recognition. Secondly, you need to upload photos of the front and back of your ID card for real-name authentication. Thirdly, you need to fill in the bank card information accurately and bind the bank card. Finally, it needs to fill in the mobile phone number of a relative and friend to ensure that you can contact yourself through this number. The lending standard of 360 IOUs is still very loose. As long as there is no problem with credit, there will be no problem.