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2.360 IOU is the platform of 360 Finance Company. Established strategic partnership with a number of licensed financial institutions, and is a professional Internet security company. Relying on the data, traffic and technical advantages of Qihoo 360, 360 IOUs are positioned as a financial technology platform in the field of consumer loans. 360 IOU is a personal financial service platform promoted by 360 Finance Company. If you want to ask which lending bank 360 IOUs belong to, you can only say that 360 IOUs are not borrowed by banks, but are issued by 360 software and are not directly linked to banks. 360 IOU is the platform of 360 Finance Company. Established strategic cooperative relations with a number of licensed financial institutions, and is a professional Internet security company, which does not connect with banks.

3.360 IOU Time and Process: Generally, the IOU time of 360 IOU is about one hour after approval. When you submit a loan application on the 360 IOU, the 360 IOU will generally be evaluated according to the borrower's application information and the borrower's face recognition information, and the approval will be automatically completed in combination with the credit big data developed by 360. The review process of 360 IOUs is simple and the review speed is fast. Individual customers with low credit will be audited many times.

Tips: Peer-to-peer lending has certain risks, so please choose carefully.

1.360 Advantages of IOU loan:

1)360 IOUs are personal and micro-consumer credit products launched by 360 Finance. Based on 360 big data, the overall evaluation of customer credit, and on this basis, provide instant consumer loans. It has the characteristics of large amount, fast loan and simple operation.

2) Relying on the data, traffic and technical advantages of Qihoo 360, 360 IOUs are positioned as a financial technology platform in the field of consumer loans, and become a technical link between high-quality borrowers and financial institutions for loan services.

4)360 IOUs are based on 360 Credit, an independent third-party credit evaluation management organization 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.

Operating environment: 360 IOU version 1.9.9

Is it easy to pay 360 IOUs?

Generally speaking, 360 IOUs are better for the next payment. As long as users provide real and detailed personal information, they can quickly review it. If false information is provided, it will not only be reviewed quickly, but also be permanently refused by 360 IOUs, and other products of 360 Finance will not be used smoothly in the future, which will also have a certain impact on personal credit. Moreover, the platform is 7X24 service, and you can borrow many times within the limit.

360 IOUs are personal and micro-consumer credit products launched by 360 entities. Based on 360 big data, the overall evaluation of customer credit, and on this basis, provide instant consumer loans. It has the characteristics of large amount, fast loan and simple operation.

Relying on the data, traffic and technical advantages of Qihoo 360, 360 IOUs are positioned as a financial technology platform in the field of consumer loans, and become a technical link between high-quality borrowers and financial institutions for loan services. On the one hand, 360 IOUs cooperate with financial institutions to help them expand and accurately depict the target consumer loan customer groups, improve the customer acquisition ability and data risk control ability of financial institutions in the field of online lending, on the other hand, help individual borrowers with good credit qualifications to obtain low-cost loans provided by financial institutions, reduce the financing cost of borrowers in the field of consumer credit, and make the borrower's credit data truly the basis for obtaining the convenience and price rationality of financial services.

360 IOUs are based on 360 Credit, an independent third-party credit evaluation management organization 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 quantity is also dynamic. When the user behaves well within a period of time and meets the withdrawal policy, the 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 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, and Android mobile phone application market operations.

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, excellent 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. The face shooting and comparison process can be completed in 5 seconds without any complicated operation by the customer. Combining the face scoring application in the background, the real identity of the customer can be locked on the basis of integrating other credit reporting methods, which can bring more efficient experience to the customer.

At the same time, 360 IOUs have established strategic cooperative relations 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, a number of senior personnel who have been deeply involved in the financial industry for many years have been introduced from large financial institutions such as Ping An, China Merchants Bank, Bank of Communications and Bank WeChat.

How to deposit money into a third-party account by borrowing money?

Hello, darling

1. 360 loan APP application. First, download the 360 loan APP and open a loan account in the APP (you need to enter personal information such as personal ID card, mobile phone number and bank card). After the successful opening, the system page will display the user's credit limit, and you can apply for a loan in the APP. According to the page prompts, select the loan option, select the repayment method, loan amount, loan term and other related loan information and then submit the loan application.

Second, WeChat application. In addition, users can also search on WeChat, pay attention to WeChat official account or WeChat applet, and attach 360 IOUs. Click to enter and follow the instructions on the page.

360 loan application.

The whole process of 360 loan is operated online, and there is no need to provide any paper materials, systematic review and manual participation, so the review speed is generally relatively fast, and the payment can be made in 5 minutes at the earliest. The maximum amount of 360 IOUs is 200,000, and the term is the longest.

12 months.

Is it easy to pass the 360 loan?

360 IOUs can generally be passed, and 360 IOUs are based on 360 independent third-party credit evaluation management organization-360 Credit.

According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas. Therefore, if you meet the audit requirements of 360 IOUs and have good personal credit, it is easy to pass, and you can open a loan after passing.

Everyone's loan application will generally have a loan result within 10 minutes. If the whole loan process goes smoothly, everyone can get the loan in about 5 minutes.

In other words, the 360 loan is basically guaranteed on the same day. Under normal circumstances, everyone will receive a reminder message of 360 IOUs after the loan is successful.

If you borrow money from 360 IOUs, the review is still relatively fast. However, if there is no payment after the application, it may be that there are many users applying, there are problems with the data and the bank card binding, so the payment will be slower. Generally speaking, 360 IOUs are still relatively fast.

If you want to borrow money at 360, you need to apply for opening first. The application needs to meet certain conditions and requirements before it can pay users. Therefore, if you want to use 360 IOUs, you should pay attention to your personal credit history, consumption habits and stable income sources, so that it is easier to apply and make the next payment.