At present, there are two lending platforms that cooperate with 360. One is 360 Finance under Qihoo 360, which we are familiar with at ordinary times, and the other is Rong 360 Financial Platform, both of which are formal platforms.
Second, is the 360 loan formal and legal?
Which is the best lending platform? It is the easiest platform to borrow: it is best to choose a credit loan from a licensed institution. After all, the institutions that can win the financial license issued by the central bank have certain strength, and there is basically no money to lend. The key is that there will be no routines and no arbitrary charges. Friends in need can look at the following loan platforms: 1, 360 IOUs: 360 financial credit loans are provided by licensed financial institutions, and loans can be made normally with low thresholds. /kloc-Borrowers aged 0/8 ~ 55 years or older can register in the real-name registration system with their mobile phone numbers, upload photos of valid ID cards, bind the bank cards to complete the authentication, and borrow after the quota is reached, with a maximum loan amount of 200,000 yuan and a maximum loan amount of 60 yuan. 2. Call for a good term loan: it is operated by a licensed financial company, and the credit loan does not need mortgage guarantee. Borrower 18~55 years old, with stable working income, can try to borrow money with sesame score above 600. Good credit. If you have provident fund and social security under your name, the better your qualifications, the faster you can get the loan. The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully! Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods. Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees. Xiaoman-Rich Flowers (the second batch) Click online measurement.
Pay special attention to the amount of money spent: 1. After the amount is spent, it should be withdrawn as soon as possible, because the amount may become invalid after a long time. 2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer. After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first. My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent. 360 IOUs, with a maximum loan of 200,000! Click online measurement
There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.
Third, is it legal to finance 360 loans?
Rong 360 is a mobile financial platform, mainly providing financial products such as loans and wealth management. So, is it legal to finance 360 loans?
Rong 360 is a diversion platform, not a loan platform, so it mainly depends on whether the loan platform provided by Rong 360 is formal and legal. If you choose a platform with formal loan qualifications to apply for a loan, it is naturally legal; However, if you choose an illegal loan platform, there is no guarantee of security.
Recently, CCTV 3 15 party exposed fraudulent loans, and Rong 360 was criticized by name. Some users have reported that many loan products on Rong 360 need to buy goods to lend, and the prices of those goods that are required to buy far exceed the market price, and the interest on beheading is quite high.
Therefore, Rong 360 has now removed the APP for a thorough self-examination, and a few products suspected of tying have all been removed. If you want to borrow money on Rong 360, you must pay more attention to find out whether the platform you borrow has a formal loan license.
Fourth, whether the 360 loan is formal and legal.
Rong 360 loan is just a loan platform, similar to a counter, with different merchant products. They also need to check whether the products they have settled in are irregular. Generally speaking, it's ok. However, after registering your information, contact your account manager to distinguish between good and bad and whether it is suitable for you.