360 platform loan list is free. After the 360 loan application opens the loan account, if the customer does not borrow money, there will naturally be no deduction and no cost. Unless the customer borrows money, the interest will be calculated according to the amount and days borrowed by the customer, starting from the day when the loan is successful, and then the customer is required to repay the loan principal and interest on time within the specified time limit. As for the loan interest rate of 360 IOUs, the minimum daily fee for borrowing 1 12 is 0. 14, and the annualized comprehensive interest rate is 9%, subject to approval.

360 loan credit law

360 IOUs are based on 360 Credit, an independent third-party credit evaluation management institution under 360, and objectively present personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas.