Online lending is popular among young people because of its low threshold and simple process. Many young people will choose online loans when they encounter difficulties in capital turnover. There are many kinds of online loan products on the market, and people will inevitably not know how to choose in the face of many lending platforms. How about financing a 360 loan? Is Rong 360 loan a legal loan?

Rong 360 loan is equivalent to a loan supermarket. The platform itself does not provide lending services. Rong 360 loan platform will match appropriate loan products according to user qualifications, and basically all common loan products on the market can match. Want to know whether Rong 360 loan is reliable and legal, mainly depends on whether the loan platform provided by Rong 360 is formal and legal.

From the feedback of users, most of the loan products recommended by Rong 360 are products of formal institutions, which are more reliable, but there are also some unfamiliar openings. If you match an unfamiliar loan opening, it is suggested to analyze and judge whether the loan platform is reliable from the following aspects:

1. Platform background: When choosing a loan platform, it is recommended to have a strong background as much as possible.

2. Borrowing threshold: The formal lending platform has certain requirements for borrowers. Although most online lending platforms provide unsecured credit loan products, the platform has its own risk control system, which will evaluate the borrower's personal comprehensive situation and only lend money to users if the evaluation results meet the requirements. If the lending platform says that you can get a loan only by your ID card without looking at the credit information, then such a lending platform should also be carefully selected.

3. Platform fees: All borrowers are required to pay before lending on the grounds of guarantee fees and service fees, which is an informal platform. In addition, there is no beheading and usury on the formal platform. Everyone should pay attention to the comprehensive cost of the platform when applying for online loans. If the loan interest exceeds the legal scope stipulated by the state, it is best not to borrow it, so as to avoid falling into the abyss of debt due to excessive interest.

4. Credit: According to regulatory requirements, formal loan platforms are basically credit, so you can also analyze whether the platform is reliable through credit.