Rong 360 is an intelligent search platform focusing on the financial field, providing enterprises and individuals with professional online search and application service platforms such as loans, credit cards and wealth management. Can I apply for a loan in Rong 360?

Is it easy to apply for a 360 loan?

Those who can apply have already applied in Rong 360 official website, and then the staff called the next day to tell them that they need to provide ID card, proof of work income, proof of residence, full version of the central bank's credit report, bank flow and so on to prepare materials for local business outlets. , and fill in the names and contact information of immediate family members, friends and colleagues.

Rong 360 loan application steps:

1. Open the software. On the home page, click Find Loan.

2, find a loan interface, choose office workers, self-employed, business owners and so on.

There are many loans here. Select one and click Enter.

Is the 360 loan reliable?

It is quite reliable to apply for a loan on Rong 360, because the products on Rong 360 are strictly audited and there will be no deception. Moreover, it integrates 360' s unique intelligent search and matching system, which can recommend the most suitable loan products and choose the best loan for users.

However, if you want to apply for a loan on Rong360, you still need to meet its application conditions:

1. The applicant is between 22 and 60 years old;

2. Have a stable job and income, and have a bank salary of at least 6 months;

3. Personal credit information is good and there is no record of bad credit information.

1 Introduction to Rong 360: Rong 360 (Beijing Rong Century Information Technology Co., Ltd.) is a typical format of "Internet finance". It is a new online financial service company, which uses big data, search and other technologies to visually present financial products of hundreds of banks to users. Rong 360, founded on 20 1 1, is an intelligent product selection platform for mobile finance, providing search and comparison services and application services for financial products such as loans, credit cards and wealth management. 20 15, StarVC invested in 360 yuan. 2017 165438+1October16, Jianpu Technology, a subsidiary of Rong360, was listed on the New York Stock Exchange with the stock code "JT".

2. Products and services: The model of Rong 360 is "search matching recommendation". Login to the website, Rong 360 provides a form for users to filter the real situation of users. After viewing the basic financial situation, users can enter the purpose, amount and term of the loan, that is, they can find out which financial institutions provide such loans and the loan conditions. In addition, Rong 360 provides the function of shopping around, making the whole loan demand and conditions clear at a glance. Users can choose which financial institution's loan manager to contact online according to their preferences. Rong 360 started from the search and recommendation of consumer loans such as commercial loans, mortgages and car loans, and quickly entered the credit card field. Users who need to bid can search and compare thousands of credit cards in one stop, fill in the information directly and apply online. Financial search and price comparison services enable ordinary people to obtain more comprehensive financial product information. "Internet wealth management, bank wealth management and online loan wealth management have not yet made a platform for information collection and comparison. 360 financial search just makes up for this market space." Ye Daqing said. After some loan users submit their applications online, Rong 360 will invite them to the offline loan convenience store outlets to collect paper materials after judging the authenticity of their intentions, so users don't have to go door to door. The loan applicant does not need to pay extra fees, and Rong 360 charges a certain percentage of service fees from financial institutions.

Is it easier to get a 360 loan than to get a platform loan directly?

Yes, it is easier to borrow money through financing 360 than to go directly to the platform.

The audit speed of Rong 360 loan is relatively stable, thanks to two new technologies: big data analysis model and face recognition technology. As long as the audit materials filled in by friends on the Rong 360 loan platform are correct and meet the requirements of the Rong 360 loan platform, they can pass the audit of the Rong 360 loan platform.

Some friends say that there are many reasons why 360 loans are not approved.

Bad credit report

Rong 360 loan has relatively high credit requirements for loan applicants. If there is a bad record in the credit information system, it will be easily rejected during the audit.

Age mismatch

Although there is no strict age limit for Rong 360 loan, those under 18 or over 65 cannot pass the Rong 360 loan review. After all, repayment ability is also a consideration.

Incorrect or incomplete information.

When you apply for a loan, you will fill in the information. If the information is wrong, it is not easy to pass the exam. After all, 360 IOUs are credit loan platforms, and no mortgage or guarantee is needed. So the accuracy of personal information is very important. If the information filled in is incorrect or incomplete, it may affect the exam results.

If a friend's loan application is rejected by the 360 loan platform, there is no need to be depressed. They can improve and update their personal data and apply again. After being rejected, friends need to wait for a while, so the probability of passing will be greater. Under normal circumstances, they need to wait for a month or two before they are rejected directly.

It is normal for a loan application to be rejected. After all, if friends often apply for loans online, they will encounter various situations. At this time, friends don't have to be depressed at all, just find out the reason and solve the problem. When a friend applies for a loan on the Rong 360 loan platform, he must pay attention to whether his information is correct, because this will directly affect the audit result of the loan application.

Rong 360 is not a pure loan platform, but actually a comprehensive search platform, just like a loan supermarket. Other loan platforms can settle in Rong 360, and then users can find their own loans through Rong 360 platform. At present, Rong 360 platform has settled in a number of loan platforms, including some bank loans.

Due to the platform nature of Rong360, whether Rong360 is reliable depends on whether the platform of the user's final loan is reliable. If the user borrows from the bank through the 360 platform, it is naturally reliable.

How does Rong 360 get a loan?

1. Fill in the loan application form;

2. Recommend the corresponding credit customer service manager through the platform;

3. Account managers and customers know each other one by one;

4. Handle relevant loan procedures.

Borrowing users can directly check the information of loan companies in Rong 360 and find a suitable loan company to apply for a loan. Because there are many loan companies, different businesses and different loan interest rates.

Extended data:

The financial products on the Rong 360 platform come from state-owned banks, joint-stock banks, foreign banks, city commercial banks, companies, guarantee companies, pawn shops and other nationally recognized financial institutions.

Therefore, different lending institutions, different loan products and different applicants' qualifications will have different loan interest rates. On this platform, you can also compare several loan interest rates to find a more suitable loan product.

The financial products on the Rong 360 platform come from state-owned banks, joint-stock banks, foreign banks, city commercial banks, companies, guarantee companies, pawn shops and other nationally recognized financial institutions. Rong 360 provides users with convenient, cost-effective and safe financial information services for free. It is a financial search platform with the widest coverage of cities and the largest number of service users.

Office workers generally recommend loans with a term of about 50,000 yuan 12 months, of which the loan interest is between 0.6% and 4.85%.