How to borrow money from 360 Loan

Steps to borrow money from 360 Loan:

Operating environment:

Brand model: iPhone13

System version: iOS15.3.1

App version: v1.9.18

1. Download and open the 360 ??IOU APP;

2. Click "I " to register, and then click "I want to borrow money";

3. Complete facial recognition, real-name authentication, bank card binding and other operations, and then add contact information;

4. After submitting the information, the system will review it. After passing the review, the system will give the loan amount, and then click "Borrow Money";

5. Finally, enter the loan amount, select the loan period and loan purpose, and click " OK”.

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.

On July 7, 2021, the core product 360 IOU APP of the US-listed financial technology company 360 Digital (QFIN.US) was removed from multiple app stores. 360 Digital's pre-market decline expanded to 20%.

360 IOU relies on 360 Group’s advanced Internet security technology and big data technology, based on massive user credit data and behavioral data, and is committed to improving the domestic personal credit system, improving financial service efficiency, reducing costs, and meeting financing needs Provide safe, stable and convenient financial services to all groups in society.

The advantages of 360 IOU are mainly reflected in the large number and high activity of users, massive user credit data and behavioral data, advanced Internet technology, convenient experience and professional and high-quality team.

360 Group has more than 500 million PC users and more than 700 million smartphone users, with a high user usage rate. According to third-party statistics, 360 ranks first in mobile security products, PC browsers by user usage time, and Android mobile application market operations.

As an Internet security company, 360 takes data-driven security as its core competency; in the field of big data, it has massive user credit data and behavioral data, outstanding talent reserves and technology accumulation, and has won many awards from international evaluation agencies. recognized.

360 IOU also actively uses modern Internet information technology to combine advanced face recognition technology with big data approval models to enhance user experience. There is no need for customers to perform any tedious operations. The face shooting and comparison process is completed in 5 seconds. The background is combined with the face scoring application and based on other credit reporting methods, the customer's true identity is locked, which can bring a more efficient experience to customers. .

At the same time, 360 IOU has established strategic partnerships with many licensed financial institutions.

As one of the largest Internet security companies in China, 360 has a leading high-level security technology team in the country. On this basis, it has introduced from large financial institutions such as Ping An, China Merchants Bank, Bank of Communications, and Weishang Bank. Many senior personnel have been deeply involved in the financial industry for many years.

The steps of how to borrow money in 360 are as follows

1. The debit steps of 360 debit order introduce the debit process in detail;

1. First, the user needs to download and install 360 Debit Notes APP, and then register a personal account.

2. After registering a personal account, enter your real name and mobile phone number on the homepage to apply for a loan.

3. Then enter the data such as "face recognition, real-name authentication, binding bank card, adding frequently used contacts" according to the pop-up page, and select "Continue to apply".

4. After that, you can get the credit limit given by the system on the homepage, and then click "Borrow Money" to withdraw the credit limit to your personal debit card account. It can usually be reached in as little as 5 minutes.

2. 360 IOU is a loan opening launched by 360 Finance. Behind 360 Finance is the Internet giant Qihoo 360. As the largest Internet security company in China, Qihoo 360 has good corporate reputation and business capabilities. Therefore, from a background perspective, 360’s IOU is relatively reliable.

At present, judging from the actual application situation, the audit pass rate of 360 IOUs is not high, but the reason is not only related to the strictness of its internal audit system, but also closely related to the borrower's own qualifications.

3. The borrower’s credit report is tainted, or the big data of online loans is not good, and the borrower is on the blacklist of online loans. How many loans are there? Identity card risks, mobile phone number risk lists, etc. will directly lead to application rejection. At the same time, we need to remind our partners not to apply for online loan products multiple times in a short period of time, because it can easily cause personal information to enter the risk control list. Basically, as long as there are no overdue stains, you can try to apply, but you must ensure that you pass the comprehensive qualifications.

1. 360 Debit Card relies on 360 Group’s advanced Internet security technology and big data technology, and is based on massive user credit data and behavioral data. It is 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 all social groups with financing needs.

2. Risk Prevention and Control 360 Debit has taken a number of measures in terms of security and risk prevention and control:

(1) Establish user credit portraits. Based on sufficient social data, 360 IOU establishes a credit reporting system to sort out each user's credit behavior portrait and grade the user's credit limit.

(2) Establish a social behavior model, 360 debit orders, and establish a credit score calculation system based on the user's social circle, using the user's contacts as a credit rating reference.

(3) Establish a computer whitelist and blacklist system to open a green channel for high-quality credit users. On the other hand, it provides blacklist user query to prevent users from repeated applications, non-personal applications, false information, etc., and prevent gangs.

(4) Leading security technology, relying on 360’s leading cloud security system and 360 debit single multiple technologies, to protect users’ data security, privacy security and account security.

(5) Professional and high-quality team, 360 has a domestic leading high-level security technology team and a risk control team from domestic first-tier large financial institutions.

Hope it can help you.

Operating environment; Huawei CDY-AN9012.5.7 software version; 360 browser app 6.1.12

Is 360 loan reliable? How to repay 360 IOU loan

Is 360 loan reliable? How to repay 360 IOU loan?

Nowadays, many people choose to borrow money through online loan platforms when they encounter problems. Currently, there are more online loan platforms with real names, and usually people are more willing to Choose loan products from major platforms.

Because in the minds of most people, the background of a large platform is more trustworthy, so is the 360 ??IOU loan under 360 reliable? How to repay after 360 IOU loan?

360 IOU is a personal consumer credit loan product launched by 360 Finance, a subsidiary of Qihoo 360. This loan can provide users with a loan limit of RMB 10,000 to RMB 200,000.

Users with financial needs can download the 360 ??IOU APP to apply for a loan. This product will use 360's complete Internet technology to ensure the security of users' accounts.

When a user applies for a loan at 360, 360 IOU uses 360's big data technology to comprehensively analyze the user's credit record and other aspects. Based on the evaluation results, 360 IOU will grant the user a certain range of credit lines. .

Judging from the background and technology of 360 IOU, the safety of this product can be assured. Whether it is reliable or not, borrowers need to understand the platform’s fees.

When handling loan business in 360 IOU, borrowers can choose two repayment methods: borrow and repay at any time and repay in installments according to their own needs. If the borrower chooses to borrow and repay at any time, the interest on the loan platform will be It is calculated based on the actual number of borrowing days.

If the daily interest rate of the loan is 0.05%, the borrower borrows 10,000 yuan and repays the debt 10 days later, then the loan interest the borrower needs to pay is 50 yuan.

If the borrower applies for installment repayment, 360 IOU currently provides users with three installment options: 3, 6, and 12. The borrower needs to pay a handling fee for each installment. It is determined by the system based on a comprehensive evaluation of the user's personal situation.

Judging from the loan interest rate of 360 IOU, this interest rate is obviously much higher than the bank loan interest rate, so everyone needs to pay attention to whether the loan interest is within their affordability when handling loan business.

After applying for a loan on 360 IOU, the user can set up automatic repayment. In this way, the borrower only needs to ensure that there is sufficient repayment amount in the bank card bound to 360 IOU. On the repayment date, the system Payment will be automatically deducted.

Is 360 loan reliable? How to use 360 ??IOU to apply for a loan?

Is 360 loan reliable? How to use 360 ??IOU to apply for a loan?

Nowadays, various unreliable loan cases have also made many borrowers cautious when borrowing money. They are worried that they will accidentally fall into the scam of routine loans. Therefore, naturally there will be more mistakes when borrowing money. Consider whether the loan you choose is reliable.

So is 360 Loan a reliable loan opportunity?

360 Loan is a loan launched by 360 Finance. It is a loan platform officially launched by 360.

360 Finance mainly includes three types of loan products, which are 360 ??IOUs, 360 small and micro loans and 360 installments. They mainly provide loan services for individuals and small and micro business owners.

Because 360 ??Loan is backed by 360, its background is naturally relatively reliable. In addition to the background, when users judge whether a platform is reliable, they mainly need to consider its fees.

The charges of 360 Loans currently do not exceed the maximum 36% stipulated by the state, and 360 Loans does not charge any fees from users before the loan application is successful. From this point of view, its charges are relatively reliable. of.

However, users also need to read their loan agreement clearly when taking out a loan to avoid any hidden charges in the agreement. Once they find any unreasonable charges, they can consult the official customer service or make a complaint directly to protect themselves. rights and interests.

The most well-known product of 360 Loan is currently the 360 ??IOU, which is a credit loan product similar to Jiebei, Baidu Youqianhua, etc.

If users want to get a loan through 360 IOU, they need to download and install the 360 ??IOU app. After downloading and installing the app, they can directly submit information in the app as required and obtain their own loan limit.

After obtaining the loan limit through 360 IOU, the user can make loan withdrawals within the limit and repay the arrears according to the specified time later.

How to borrow money on 360

1. Download the 360 ??IOU APP.

2. Register an account, conduct real-name authentication, and then bind one of your mobile phone numbers.

3. Bind your own receiving bank card.

4. Wait for the personal information to be uploaded, and then you can see the available loan limit.

5. Make a loan application based on your own consumption needs, your repayment ability and the loan amount.

6. You can successfully borrow money after waiting for the 360 ??backend review to pass.

Operating environment:

Brand model: Huawei nova7

System version: harmonyOS.2

App version: v1.9.38

360 IOU is a personal and small and micro credit platform under 360 Digital, which was launched in September 2016. It evaluates customer credit based on 360 big data and provides instant consumer loans on this basis.

It 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.

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.

The advantages of 360 IOU are mainly reflected in the large number and high activity of users, massive user credit data and behavioral data, advanced Internet technology, convenient experience and professional and high-quality team.

360 Group has more than 500 million PC users and more than 700 million smartphone users, with a high user usage rate. According to third-party statistics, 360 ranks first in mobile security products, PC browsers by user usage time, and Android mobile application market operations.

As an Internet security company, 360 takes data-driven security as its core competency; in the field of big data, it has massive user credit data and behavioral data, outstanding talent reserves and technology accumulation, and has won many awards from international evaluation agencies. recognized.

Why can’t I find the 360 ??IOU? How to borrow money on 360 IOU?

Why can’t 360 IOUs be borrowed?

1 The applicant does not meet the 360 ??loan regulations: 360 IOUs have very strict basic requirements for personal credit reports. If there are still bad records, Such a loan application will not be approved;

2 The debt ratio is too high: the applicant has borrowed money from several platforms, and the 360 ??IOU Department will reject the loan application of such users in consideration of risk control;

3360 IOU’s own loan limit limit: As my country’s supervision of online loans becomes increasingly strict, lending platforms are gradually controlling the loan limit. 360’s daily loan limit has a certain limit. without.

The above is a detailed introduction to some reasons why 360 IOU cannot borrow money. If the loan is unsuccessful due to factors in the personal credit report, the user will need to establish a good personal credit report before the loan can pass the review.

How to borrow money on 360 IOU?

If you want to apply for a loan on 360 IOU, there are two main methods.

1. Download the 360 ??IOU APP for free. After installing the loan software, the borrower can apply for an account and perform real-name verification as required. Generally speaking, borrowers must enter personal identification information, mobile phone number, debit card and other personal information, and must also conduct facial recognition authentication and submit the front and back of their ID card.

After registering an account, the system page will show the user's credit limit, and you can apply for a loan in the APP.

2. Apply for loans in other ways. Borrowers can apply for a 360 IOU loan on Alipay and WeChat, search the 360 ??IOU WeChat applet, and then log in with an Alipay or WeChat account. After clicking to view, follow the prompts on the page to complete the 360 ??IOU application.

How to borrow money from 360 IOU

First open the 360 ??IOU App to apply and log in. After logging in, click I want to borrow money on the homepage, and then fill in the relevant personal information as required Information, verify the ID card picture and associated real-name verification, and perform face recognition authentication. After completing the submission of information, after the system information is reviewed, the user can directly purchase the loan, select the loan amount, purpose, and deadline. Borrowing proceeds.

It should be noted that 360 IOUs also need to be authenticated when borrowing money. If the borrower’s qualification certificate does not meet the loan standards, the loan will not be possible. Even if the 360 ??IOUs have a quota, they will not be able to borrow money.