It is formal.

360 IOU is a consumer credit brand under 360 Finance. It evaluates user credit based on 360 big data and provides a credit limit of 500-200,000 on this basis. The credit is received quickly and the daily interest rate is as low as 0.027. 360 With its technical and service advantages, IOU has won praise from users.

360 IOU is based on 360 Credit, an independent third-party credit assessment and management agency under 360, which objectively presents an individual's credit status through technologies such as cloud computing, machine learning, and 360 big data.

If you have capital turnover needs, it is recommended that you use Youqianhua. Youqianhua is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, changed its name to "Youqianhua" in June 2018 "), big brands are reliable, have low interest rates and are trustworthy. Youqianhua-Manyidai, the maximum loan amount is 200,000, and the daily interest rate is as low as 0.02.

Reference: Du Xiaoman Youqianhua official website

Extended information:

360 IOU is an unsecured, unsecured pure credit loan. The application must meet the following conditions:

1. The applicant is over 18 years old;

2. Be able to provide a valid personal identity document and have independent civil capacity;

3. Have a stable job and income, and provide corresponding certificates;

4. Personal repayment Strong ability and low debt ratio;

5. The individual has no bad credit record in the central bank’s credit reporting system and has good repayment willingness.

360 IOU is a formal loan product. The platform system will strictly review each loan application. Whether you can successfully apply for a loan will be subject to the actual review results.