360 loan borrowing steps:
Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: v 1.9. 18.
First, download and open the 360 loan APP；;
2. Click "My" to register, and then click "I want to borrow money";
The third is to add contact information after completing face recognition, real-name authentication, bank card binding and other operations;
4. After submitting the information, the system will review it. After approval, the system will give the loan amount, and then click "Borrow";
5. Finally, enter the loan amount, select the loan term and loan purpose, and then click OK.
360 IOU is a personal and micro-loan platform under 360 Branch (formerly 360 Finance). It was launched in September 2065438+2006. It evaluates customers' credit based on 360 big data and provides instant consumer loans on this basis.
July 7, 20021year, the core product of QFIN. US, a financial technology company listed in the United States, has been removed from several application stores. The pre-market decline of the 360 target expanded to 20%.
Relying on the advanced Internet security technology and big data technology of 360 Group, 360 IOUs are committed to improving the domestic personal credit system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient financial services for all social groups with financing needs.
The advantages of 360 IOUs focus on the large number of users, high activity, massive user credit data and behavior data, advanced Internet technology, convenient use experience and professional and high-quality team.
360 Group has more than 500 million PC users and more than 700 million smart phone users, and the user usage rate is high. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers by user usage time and Android mobile phone application market operation.
As an Internet security company, 360 takes data-driven security as its core competence; In the field of big data, it has a huge amount of user credit data and behavior data, outstanding talent reserve and technology accumulation, and has been recognized by international evaluation agencies for many times.
360 IOUs also actively use modern information technology on the Internet to combine advanced face recognition technology with big data approval model to enhance user experience. Without any complicated operation by customers, the face shooting and comparison process can be completed in 5 seconds, and the real identity of customers can be locked by combining the background face scoring application and other credit reporting methods, which can bring more efficient experience to customers.
At the same time, 360 IOUs have established strategic partnerships with a number of licensed financial institutions.
As one of the largest Internet security companies in China, 360 has a leading high-level security technology team in China. On this basis, it has introduced many senior talents who have been deeply involved in the financial industry for many years from large financial institutions such as Ping An, China Merchants Bank, Bank of Communications and Bank WeChat business.
The steps of how to borrow money are as follows
I. Deduction Steps of 360 Deduction Sheet Introduce the deduction process in detail;
1. First, users need to download and install 360 IOU APP, and then register their personal accounts.
2. After registering a personal account, you can apply for a loan by entering your real name and mobile phone number on the homepage.
3. Then enter data such as "face recognition, real-name authentication, bank card binding, adding common contacts" according to the pop-up page, and select "Continue to apply".
4. After that, you can get the credit line given by the system on the homepage, and then click "Borrow" to withdraw the line into your personal debit card account. It usually takes 5 minutes at the earliest.
Second, the 360 loan is a loan launched by 360 Finance. Behind 360 Finance is the Internet giant Qihoo 360. Qihoo 360, as the largest Internet security company in China, has a good corporate reputation and business capabilities. Therefore, from the background, the 360 loan is still relatively reliable. At present, from the practical application, the approval rate of 360 IOUs is not high, but the reason is not only related to the strict internal audit system, but also closely related to the borrower's own qualifications.
Third, the borrower's credit information is tainted, or the online loan big data is not good, which belongs to the blacklist of online loans, and how many loans are there. The list of ID card risks and mobile phone number risks will directly lead to the rejection of the application. At the same time, we need to remind our friends not to apply for online loan products many times in a short period of time, because it will easily lead to personal information entering the risk control list. Basically, as long as there is no overdue stain, you can try to apply, but you must ensure that the comprehensive qualification is passed.
1 and 360 debit cards rely on the advanced Internet security technology and big data technology of 360 Group, and are committed to improving the domestic personal credit information system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient financial services for all social groups with financing needs.
2. Risk Prevention and Control 360 Debit has taken a number of measures in terms of safety and risk prevention and control:
(1) Create a user credit portrait. Based on sufficient social data, 360 IOUs establish a credit information system, sort out the portrait of each user's credit behavior, and grade the user's credit limit.
(2) Establish a social behavior model, debit the bill 360, and establish a credit score calculation system based on the user's social circle, with the user's contacts as a credit rating reference.
(3) Establish a computer whitelist and blacklist system to open a green channel for high-quality credit users. On the other hand, it provides queries of blacklisted users to prevent users from applying repeatedly, and objectively provides false information to prevent gangs.
(4) Leading security technology, relying on 360 leading cloud security system and 360 debit card technology to protect users' data security, privacy security and account security.
(5) Professional and high-quality team, 360 has a leading domestic high-level security technology team and a risk control team from a large domestic first-line financial institution.
I hope I can help you.
Operating environment; Huawei CDY-AN90 12.5.7 software version; 360 browser app6. 1. 12
Is the 360 loan reliable? How to repay the 360 loan?
Is the 360 loan reliable? How to repay the 360 loan?
Nowadays, when many people encounter difficulties, they will choose to borrow money through online lending platforms. At present, there are many real-name online lending platforms, and people are usually more willing to choose loan products from big platforms.
Because in most people's minds, the background of the big platform is more trustworthy, so is the 360 loan under 360 reliable, and how to repay after the 360 loan?
360 IOU is a personal consumption credit loan product launched by 360 Finance under Qihoo 360, which can provide users with a loan line of1-200,000.
Users with financial needs can download 360 Borrowing APP to apply for loans. This product will use 360 Internet technology to ensure the security of users' accounts.
When the user applies for a loan in 360, 360 IOUs use 360' s big data technology to comprehensively platform the user's credit record. According to the evaluation results, 360 IOUs will grant users a certain range of credit lines.
Judging from the background and technology of 360 IOUs, the safety of this product can still be assured. Whether it is reliable or not, borrowers need to know the charges of the platform.
When handling the loan business in 360 IOUs, the borrower can choose two repayment methods according to his own needs, namely, repayment with borrowing and installment repayment. If the borrower chooses to pay with the loan, the interest of the loan platform is calculated according to the actual borrowing days.
If the daily interest rate of the loan is 0.05%, the loan is RMB 654.38+0 million, and the debt is repaid after 654.38+00 days, then the loan interest that the borrower needs to pay is 50 yuan.
If the borrower repays the loan in installments, there are currently three options for the installment period provided by 360 IOUs: 3 installments, 6 installments and 12 installments. The borrower needs to pay the handling fee for installment repayment, and the handling fee for each installment is determined by the system according to the user's personal situation.
Judging from the loan interest rate of 360 IOUs, this interest rate is obviously much higher than the bank loan interest rate, so we need to pay attention to whether the loan interest is within our tolerance when handling the loan business.
Users can set up automatic repayment after using 360 IOUs to apply for loans, so the borrower only needs to ensure that there is enough repayment amount in the bank card bound with 360 IOUs, and the system will automatically deduct the money on the repayment date.
Is the 360 loan reliable? How to apply for a loan with 360 IOUs?
Is the 360 loan reliable? How to apply for a loan with 360 IOUs?
Nowadays, all kinds of unreliable loan cases have also made many borrowers cautious when borrowing, fearing that they will accidentally enter the scam of routine loans. Therefore, they will naturally consider whether the loan they choose is reliable in many aspects.
So is the 360 loan a reliable loan?
360 loan is also a loan launched by 360 Finance, which is a loan platform jointly launched by 360 officials.
360 Finance mainly includes three types of loan products, namely 360 IOUs, 360 small and micro loans and 360 installments, which mainly provide loan services for individuals and small and micro business owners.
Because the 360 loan is backed by 360, its background is naturally more reliable. Besides the background, when users judge whether a platform is reliable, they mainly need to consider its charging standard.
At present, the charge of 360 loan does not exceed the maximum 36% stipulated by the state, and 360 loan does not charge users any fees before the loan application is successful, so its charge is quite reliable.
However, users also need to read their loan agreement clearly when they borrow money to avoid any hidden charges in the agreement. Once they find any unreasonable charges, they can consult the official customer service or complain directly to protect their rights and interests.
At present, the most famous product of 360 loan is 360 loan, which is a credit loan product, similar to Baidu's borrowing and spending money.
If users want to make loans through 360 IOUs, they need to download and install 360 IOUs app. After downloading and installing the app, they can directly submit information in the app as required and get their own loan amount.
After 360 IOUs get the loan quota, users can withdraw the loan within the quota and then repay the arrears according to the specified time.
How to borrow money on 360
1. Download 360 IOU APP.
2. Register your account, verify your real name, and then bind one of your mobile phone numbers.
3. Bind your own collection bank card.
4. Wait for the personal information to be uploaded, and then you can see the loanable amount.
5. Apply for a loan according to your consumption demand, repayment ability and loan amount.
6. After the 360 background audit is passed, the loan can be successfully borrowed.
Operating environment:
Brand model: Huawei nova7
System version: harmonyOS.2
Application version: v 1.9.38
360 IOU is a personal and micro-loan platform of 360 main body, which was launched on September 20 16. It evaluates customers' credit based on 360 big data and provides instant consumer loans on this basis.
It objectively presents personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas.
360 IOUs are based on 360 Credit, an independent third-party credit evaluation and management institution under 360, and objectively present personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas.
The application amount of 360 IOUs is granted according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding amount is also dynamic. When users behave well and meet the withdrawal policy for a period of time, their corresponding amount may increase.
The advantages of 360 IOUs focus on the large number of users, high activity, massive user credit data and behavior data, advanced Internet technology, convenient use experience and professional and high-quality team.
360 Group has more than 500 million PC users and more than 700 million smart phone users, and the user usage rate is high. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers by user usage time and Android mobile phone application market operation.
As an Internet security company, 360 takes data-driven security as its core competence; In the field of big data, it has a huge amount of user credit data and behavior data, outstanding talent reserve and technology accumulation, and has been recognized by international evaluation agencies for many times.
Why can't I find 360 IOUs? How to borrow money on 360 IOUs?
Why can't I borrow a 360 loan?
1 The applicant does not meet the requirements of 360 loan: 360 IOUs have very strict basic requirements for personal credit investigation. If there are still bad records, the loan application cannot be passed;
2 The debt ratio is too high: the applicant borrows from multiple platforms, and the risk of 360 loans is controllable. In view of this, it will refuse the user's loan;
The 3360 IOU itself limits the amount of the next payment: With the increasingly strict supervision of online lending in China, the lending platform has gradually manipulated the amount of the next payment. There is a certain limit to the daily amount of the next payment, and it will be gone after it is robbed.
These are some reasons why 360 IOUs cannot be borrowed. If the loan is unsuccessful due to personal credit information, the user needs to implant personal credit information to pass the audit.
How to borrow money on 360 IOUs?
There are two main ways to apply for a loan in 360.
1, download 360 loan APP for free. After installing the loan software, the borrower can apply for an account number and verify his real name as required. Generally speaking, the borrower must input personal information such as personal identity information, mobile phone number, savings card, etc. , and also face recognition authentication and submit the front and back of the ID card.
After applying for account registration, the user's credit limit will be displayed on the system page, and you can apply for a loan in the APP.
2. Apply for loans in other ways. Borrowers can apply for 360 IOUs in Alipay and WeChat, search for 360 IOUs WeChat applet, then log in with Alipay or WeChat account, and click View according to the actual operation on the webpage to complete the 360 IOUs application.
How to borrow money from 360 IOUs
First, open the 360 debit App application and log in. After logging in, click on the home page to borrow money, then fill in relevant personal information as required, authenticate the ID card picture and related real name verification, and carry out face recognition authentication. After submitting the information, the user can directly purchase the loan and select the loan amount, main purpose and term after reviewing the system information.
It should be noted that 360 IOUs also need to be authenticated when borrowing money. If the borrower's qualification certificate does not meet the borrowing standards, it is impossible to borrow money, even if the 360 loan has a quota, it is impossible to borrow money.