When carrying out 360-note authentication, authentication such as identity authentication, bank card authentication, and mobile phone service password authentication is required. These are all safe, paving the way for your next step. 360 IOUs will not reveal privacy, please feel free to use them.

Specific introduction of 360 IOUs:

360 IOU is the first personal consumption credit product of 360 Finance, a brand of 360 Company, which can provide a loan amount of up to 200,000 yuan according to the user's personal credit status.

Users can find the deduction entrance by entering the "Peace of Mind Service" at the bottom of the main interface of 360 Mobile Guardian. As long as the mobile phone, bank card, ID card and "face-brushing" certification are ready for the whole process, there is no need for cumbersome property or work certificates. According to the system prompt, the loan can be reviewed as soon as 1 minute.

In terms of interest rate, 360 IOUs bear interest on a daily basis, and the lowest daily interest rate is 0.03%, that is, the loan 1 1,000 yuan, and the interest on 1 day is only in 0.3 yuan. The loan term can be 3/6/ 12 months, and the monthly interest decreases month by month. prepayment is supported, and there is no handling fee for prepayment, and the line can be recycled.

In terms of credit granting methods, 360 IOUs rely on the Internet security technology and big data technology of 360 companies to establish user portraits, access the central bank's credit information system, and grant loan lines. As a consumer credit platform of 360 Finance, 360 IOUs are also open to other financial institutions and can jointly provide consumer loan services in the future.