360 IOU is a personal and microfinance platform under 360 Finance. It holds a formal consumer finance license and was established with the approval of China Banking Regulatory Commission (CBRC).

360 borrowings have been docked with the central bank for credit information. When applying for a loan on the platform, you will check the credit information. At that time, the inquiry record in the name of loan approval will be left in the applicant's credit report, and the relevant loan and repayment information will also be recorded (if the repayment is overdue, it will also leave overdue bad information, which may lead to personal credit damage).