Is 360 Debit reliable?
360 loan is reliable, but netizens feedback 360 loan interest is high.
According to the official information released by 360, 360 lent from 5 hundred dollars to borrow, the maximum amount is 200,000 yuan.
360 lending official said: 1 thousand dollars with 12 months, the daily cost from 27 cents (subject to approval results). In other words, the daily interest rate of 360 Lend Lease is as low as 0.027%. However, the actual interest rate depends on the borrower's comprehensive qualifications, so the interest rate may be different for everyone applying for 360 Loan. Generally the better an individual's overall qualifications are, the lower the approved amount is likely to be.
But according to the feedback from most users, the interest rate on 360 Debit is still relatively high. Most people applying for 360 Loan are approved at a daily interest rate of around 0.05%, 0.06%, which translates to an APR of around 18% to 21.6%.
If you are in need, we recommend you to use the money flower, the money flower is the credit service brand of Du Xiaoman Financial (original name: Baidu money flower, in June 2018 renamed "money flower"), the big brand is reliable and reliable interest rate is trustworthy. The amount of money that can be borrowed is up to 200,000 (click on the official free quota), and the daily interest rate is as low as 0.02%, which is characterized by easy application, low interest rates, fast disbursement, flexible borrowing and repayment, transparent interest rates and strong security.
Share with you the application conditions of the rich flower: the application conditions of the rich flower is mainly divided into two parts: age requirements and data requirements. The first one is the age requirement: between 18 and 55 years old. Second, data requirements: the application process requires your second-generation ID card, my debit card. Note: The application only supports debit card, the application card is also your borrowing bank card. My identity information needs to be the second generation ID information, can not use temporary ID, expired ID, generation ID to apply. The online loan is risky, the choice needs to be careful!
Is 360 Debit reliable?
One positive answer
Reliable.
Two, specific analysis
1, to see the borrowing rate, 360 borrowing success from the day of the release of money to the account to charge interest, charged on a daily basis until paid off. Because of the different qualifications of each person interest rates are different, the minimum annual interest rate of 7,2%, converted into a daily interest rate of 0,02%, the monthly interest rate is 0,6%, borrowing 10,000 a month the minimum of 60 dollars of interest.
2, to see than the object, bank loan products generally do not exceed 5% annual interest rate, monthly interest rate of 0, 4% or so, borrow 10,000 a month about 40 more than 40 pieces of interest, so compared with the minimum interest on bank products, 360 lending interest is still slightly higher; other online lending products daily interest rate of about five ten thousandths of a percentage point, the monthly interest rate to be 1, 5%, 360 lending 10,000 a month interest is not high.
Just search: small seven letter check. Click on the query, enter the information you can query to their own hundred lines of credit data, the data originated from more than 2,000 online lending platforms and UnionPay Center, the user can query their own big data and credit situation, you can get all kinds of indicators, query to their own personal credit situation, the net black index points, the blacklist situation, the online loan application record, the type of application platform, whether the late, the amount of the overdue, the credit card and the online loan The credit estimate amount and other important data information.
Three, extended information
360 loan interest how to calculate?
At present, 360 Debit is a daily interest rate, the daily interest rate is between 0,03% - 0,05%, because 360 Debit is based on the borrower's personal qualifications to determine the borrowing daily interest rate, so the interest rate is different for each borrower.
But you can calculate your interest rate by using the formula: principal x daily rate x number of days borrowed. For example, if you borrow $10,000 from 360 Lenders, the borrowing period is 3 months, and the daily interest rate is 0,05%, then the interest you need to pay back in the end is 10,000 x 0,05% x 90 days = $450.
It is worth mentioning that 360 Borrowing supports early repayment, but in the first interest after the capital borrowing mode, if you repay early, you need to pay an additional 3% of the repayment principal early repayment default.
360 lending loan is reliable
360 lending loan is reliable, the interest is not particularly high, the current 360 lending is used by the daily interest rate, the general daily interest rate can be as low as 0.03% or so, if this conversion, 360 lending the average annual interest rate of about 10.8%, with the bank's current Compared to the current bank daily interest rate of 0.05% for credit card cash withdrawals, the annual interest rate for credit card cash withdrawals is about 18%, which makes it very cost-effective.
I, the meaning of 360 debit
360 debit is 360 digital science (formerly 360 Finance) personal and micro-credit platform, online in September 2016, based on 360 big data to assess customer credit, and on this basis to provide instant arrival consumer loans.
Two, 360 Lending takes multiple measures in terms of safety and security, risk prevention and control:
1) Establishing a user credit portrait, 360 Lending establishes a credit system based on sufficient social networking data, and will sort out each user's credit behavioral portrait, and grade the user's credit limit. The amount of money you can borrow is up to 200,000 dollars, and the daily interest rate is as low as 0.02%.