Not necessarily. Generally speaking, the loan processing of 360 IOUs will not fail, because it has been processed, that is to say, it has passed the examination. If the application of 360 IOU is always displayed in the review, the application may fail because it fails to pass the review. After the 360 IOU application passes the system audit, the loan will be released immediately. Most users can receive loans in real time, usually within 2 hours. Please be patient.

I. Loans

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the loan matters needing attention

1, loan amount:

When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment.

2. Loan information:

The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan.

3. The purpose of the loan:

When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.

Third, the consequences of loans overdue.

1. Penalty interest: When signing a loan contract, some relevant regulations are generally made for loans overdue. If the loan contract is overdue, there will generally be a penalty interest. For different financial institutions, the amount of penalty interest and the interest generated are different. However, as an expense that should not be spent, it is better not to generate it.

2. Credit stain: This should not be underestimated. Once in loans overdue, the bank will report your overdue records to the central bank's credit information system. Once the record is generated, it will leave a stain on your personal credit report. This small stain will form a great resistance to your future loan or credit card application, so the borrower must not lose big because of small.

3. You can't enjoy the preferential loan interest rate: We all know that when you apply for a loan from a bank, the loan interest rate will fluctuate to varying degrees, and high-quality customers can usually get the lowest loan interest rate. Users with loans overdue records can't enjoy preferential interest rates even if they can get a loan application.

After the 360 loan was submitted, it has been shown that the loan amount has recovered.

360 IOUs show that in lending, it is not necessarily successful, only money arrives. The reason for this is the following：

1. The system displays "Lend", which may be because the system is still under review and the user's review failed. If the audit passes and the money arrives, it will be successful. If the audit fails, the loan will fail.

2. The system displays "Lending", which may be a system delay. After a period of time, the loan will be received smoothly.

3. The system shows "Lending in progress", probably because there are many applicants waiting in line for lending.

Will 360 IOUs fail to borrow?

360 IOUs show that when the loan is in progress, the loan will generally not fail. Apply for a loan at 360, and the loan result will be known as soon as 10 minutes. If it keeps showing that the loan is in progress, it may be because there are many applicants, so the loan time will be extended.

However, if the loan application has been under review when applying for 360 IOUs, then the loan application may fail. The reasons for loan failure may be:

(1) The borrower's situation does not meet the conditions for lending with 360 IOUs, so even if the limit is shown, 360 IOUs cannot be used for lending.

(2) If multiple people apply for loans at the same time, the system will give priority to users with better personal qualifications, while users with poor qualifications are basically difficult to borrow.

Common factors affecting personal qualifications mainly include the following:

(1) Fill in the identity information. When applying for a loan from 360, you need the identity information of the applicant. If there is something wrong with the applicant's identity information, the system will prompt a verification error during authentication. Therefore, the next payment cannot be made.

(2) The contact information cannot be verified. In the process of applying for a loan, 360 will ask to add the applicant's common contacts as emergency safety contacts. If the contact can't be contacted during the authentication, the authentication will also fail. Naturally, you can't borrow money.

(3) Face recognition failed. The verification process of 360 includes face recognition verification. If the borrower fails to pass the face authentication due to various factors. You can't make the next payment.