After the 360 ??IOU is approved, you can borrow it directly through the software.

The specific steps are as follows:

1. First, click to open the 360 ??IOU software on your mobile phone, and then click to borrow money on this page.

2. Then select the receiving bank card on this page, then enter the amount to be borrowed, then select the repayment method, and then click OK below.

3. Then click in the pop-up option box to select the purpose of the loan.

4. Then enter the transaction password in the pop-up page.

5. This page will then open, indicating that the loan is completed.

As a new thing on the Internet, P2P online lending faces a series of legal issues in its development. In addition to benefiting from the convenience of resource enjoyment in the Internet economy, its participants should pay attention to the following issues:

First, choose a P2P network platform with legal qualifications and transparent registration.

The Internet is flooded with a large number of P2P network platforms, and the publicity about annualized yields, lending efficiency, and credit rates is also overwhelming. Borrowers and lenders should carefully consider and give full consideration when choosing an online platform. Carefully check and verify the qualifications and registration information of the online platform, and be sure to register on a platform with transparent and legal registration information.

In addition, formal platforms will not set up their own private fund pools, but will choose influential third-party institutions to host accounts or provide guarantees. If it is a platform where the company has its own private fund pool, everyone should be more careful when lending. If the agreement on the borrowing interest rate or the annualized rate of return on investment is too high, the lender should also be vigilant and carefully judge its authenticity and reliability.

Second, carefully read the electronic contracts and related policies and regulations in the P2P network platform.

Since online lending is based on the Internet, the entire process of online lending is inseparable from the support of electronic data. The entire process of the lender and the borrower registering account information on the platform, publishing loan needs and repayment ability credit status, matching the needs of both parties, signing an electronic loan contract, payment delivery and repayment is accompanied by electronic data on the website.

Therefore, it is of great significance for lenders and borrowers to read and check electronic data carefully, which is related to the rights and obligations of both parties. Participants should fully read the website's policies and formats of electronic contracts and agreements. The subsequent check operation means that the contract is established, and the rights and obligations between the two parties are established.

The important information in the electronic contract such as the loan amount, loan time, interest, borrower's identity information, repayment ability, and guarantee method should attract the attention of participants. Parties shall properly keep electronic evidence and contracts on the Internet and take screenshots when necessary to deal with possible disputes that may arise in the future.

Third, rationally judge the role and responsibilities of the P2P network platform.

From the perspective of legal relations, the P2P network platform has multiple roles. By reading the policies and electronic data on the website, you can determine the general nature of the platform.

The first is a pure intermediary platform, which only provides loan matching services for lenders and borrowers on the platform; the second is the transferee of creditor's rights transfer. When the borrower fails to repay the Xiongxin loan overdue , after the P2P platform uses its risk reserves to repay the lender, it will transfer the lender's claims against the borrower;

The third is to bear the guarantee liability. According to the law, the provider of the online lending platform can , advertisements or other media expressly or there is other evidence to prove that it provides guarantee for the loan, and the lender requests the provider of the online platform to assume the guarantee liability, the People's Court shall support it.

Lenders and borrowers should have a clear understanding of the responsibilities of the P2P platform after reading the relevant policies on the website. When a dispute occurs, you should immediately take up legal weapons to protect your own rights and interests.