360 loan is an online loan. According to 360 IOU official website, 360 IOU is an online loan, which is a personal and micro-credit platform under 360 Department (formerly 360 Finance). Customers can APPly online directly after registering the loan account number on the mobile phone 360 debit app and passing the examination. After the system is approved, the loan funds will be distributed to the bank card bound by the customer in the APP. So 360 loan is an online loan.