It is a formal platform.

From the company background: 360 Loan is an unsecured pure online consumer credit platform launched by 360 Finance. Based on 360 big data, the credit of customers is evaluated as a whole, and instant cash loans are provided on this basis.

From the nature of the platform: relying on the data, flow and technical advantages of 360, 360 IOUs are positioned as a financial technology platform in the field of consumer loans and become a technical link between high-quality borrowers and financial institutions for loan services.

From the perspective of platform positioning: 360 borrows and cooperates with multi-party financial institutions to enhance the customer acquisition ability and data risk control ability of financial institutions in the field of online lending. It allows borrowers with good credit qualifications to obtain low-cost loans.

Extended data:

Is there a credit report for the 360 loan?

When the borrower applies for a loan with 360 IOUs, the platform will ask the borrower to authorize the inquiry of personal credit report when viewing the loan contract. Therefore, the 360 loan is for credit reporting. At the same time, 360 IOUs will also give corresponding loan credit lines according to the borrower's credit information.

If the borrower is overdue in the 360 IOUs, it will not only face the consequences of penalty interest, but also the good records in the credit information system will be destroyed, and the credit rating on the 360 platform will also decline, which will not be worth the candle.

Is the 360 loan reliable?

360 loans are reliable.

It is quite reliable to apply for a loan on 360 IOUs. It is a product of 360 Finance, and the amount is between1-200,000. Based on the data of social relations, it is very intelligent to establish a credit information system and then grade the credit limit of users. And the security of 360 IOUs is also very good. Relying on 360 leading cloud security system, there are many technologies to protect user privacy and account security. So you can safely apply for a loan on the 360 loan, which is very reliable.

If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (original name: Baidu Qianhua, renamed as "Qianhua" in June, 2065438+08). The big brand is trustworthy and the interest rate is low. Money spent-full easy loan, the maximum loan amount is 200,000 (click the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

Is the 360 loan platform formal?

360 loans can't be completely deceptive, but loans need to be cautious. In fact, 360 is a regular website, it won't, won't deceive people, and it may be risky, but it mainly depends on the specific situation of both borrowers and borrowers, as long as it is repaid on time, it will be fine. However, you can't get a 360 loan if you want. First of all, you must have a good letter of credit, and you must ensure that you have the repayment ability before you can apply for a loan.

360 loan refers to the loan recommended by 360 finance company. Because 360 Finance Company itself does not have the qualification for lending, 360 cooperates with other lending platforms.

360 helps the loan platform to obtain traffic, and the loan platform obtains accurate customers with loan needs from the 360 platform.

Therefore, the 360 loan itself is not a loan product, but more is to provide loan navigation services for users. The user applies for a loan at 360, and the loan service is provided by the lending institution. 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 striving to build a new Internet financial empire. Overall evaluation of customer credit based on 360 big data, and providing instant cash loans on this basis; The advantages of 2.360 IOUs focus on the large number of users, high activity, massive user credit data and behavior data, advanced 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 high user usage rate. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers, and Android mobile phone application market operations. Large platform enterprises can make users feel more at ease! How about the security of 360 IOUs?

360 IOUs has taken multiple measures in safety and risk prevention and control:

1. Establish users' credit portraits, and 360 IOUs establish a credit system based on sufficient social network data, which will sort out each user's credit behavior portraits and grade users' credit lines.

2.360 IOUs establish a social behavior model, and 360 IOUs establish a credit score calculation system based on the user's social circle, taking the user's personal connections as a reference for credit rating. And will also establish a white list and blacklist system. Open a green channel for high-quality credit users, on the other hand, provide blacklisted users' queries to prevent users from applying repeatedly, applying for non-users and false information. , to prevent cliques. 3. Owner's leading security technology, relying on 360' s leading cloud security system, 360 borrows a number of technologies to protect users' data security, privacy security and account security. Professional and high-quality team, 360 has a leading domestic high-level security technology team and a risk control team from large domestic first-line financial institutions.

However, life is beautiful, and loans need to be cautious!