360 Loan cannot be completely said to be a scam, but you need to be cautious when taking out loans. In fact, 360 is a regular website. It is not a loan shark and will not deceive people. However, it may be risky. However, it mainly depends on the specific situation of the borrower. As long as you repay the loan on time, you will be fine. But 360 loans are not something you can get if you want. First of all, you must have good credit and ensure that you are able to repay before you can apply for a loan.

360 loans refer to loans recommended by 360 Financial Company. Since 360 ??Financial Company itself is not qualified to lend, 360 cooperates with other loan platforms.

360 helps the loan platform obtain traffic, and the loan platform obtains precise customers with loan needs from the 360 ??platform.

Therefore, 360 Loan itself is not a loan product, but more of a loan navigation service for users. Users apply for loans in 360, and loan services are provided by lending institutions. If users have any questions, they need to contact the lending institution directly.

1.360 IOU is the first loan product launched by 360 Finance. As one of the largest Internet security service providers in China, Qihoo 360 Group is focusing on Internet finance and building a new Internet finance empire. Conduct an overall assessment of customer credit based on 360 big data, and provide instant cash loans on this basis; 2. The advantages of 360 IOUs are concentrated in the large number and high activity of users, massive user credit data and behavioral data, and advanced State-of-the-art Internet technology, convenient experience and professional and high-quality team;

3.360 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. Big platforms and big companies can make users feel more at ease! How about the security of 360 IOU?

360 IOU has taken multiple measures in terms of security and risk prevention and control:

1. Establish user credit portraits. 360 IOU has established a credit reporting system based on sufficient social network data. , will sort out each user's credit behavior portrait and grade the user's credit limit.

2.360 IOU establishes a social behavior model. 360 IOU establishes a credit score calculation system based on the user’s social circle, using the user’s personal connections as a credit rating reference. And a whitelist and blacklist system will also be established. A green channel is provided for users with high credit quality. On the other hand, blacklist user inquiries are provided to prevent users from repeated applications, non-personal applications, false information, etc., and to prevent gang fraud. 3. With leading security technology and relying on 360’s leading cloud security system, 360 IOU uses multiple technologies to protect users’ data security, privacy security, and account security. Professional and high-quality team, 360 has a leading high-level security technology team in China and a risk control team from large domestic first-line financial institutions.

However, life is beautiful, but you need to be careful when taking out loans!