360 IOU customer service hotline: 400-603-0360 customer service hotline.

360 IOU is a personal and small and micro credit platform under 360 Digital (formerly 360 Finance). It was launched in September 2016. It evaluates customer credit based on 360 big data and provides real-time Consumer loans received.

360 IOU

Relying on the advanced Internet security technology and big data technology of 360 Group, based on massive user credit data and behavioral data, we are committed to improving the domestic personal credit system and improving the efficiency of financial services. Reduce costs and provide safe, stable and convenient financial services to various social groups with financing needs.

360 IOU is based on 360 Credit, an independent third-party credit assessment and management agency under 360, which objectively presents an individual's credit status through technologies such as cloud computing, machine learning, and 360 big data. Different consumption limits are granted to users based on comprehensive considerations such as credit risk, payment habits, and consumption conditions.

The application quota of 360 IOU is granted based on the consumption, repayment and other behaviors accumulated by the user on the platform. The various behaviors of the user on the platform are dynamic and changing, and the corresponding quota is also dynamic. When If the user behaves well within a period and complies with the quota increase policy, the corresponding quota may be increased.