It's true. It evaluates your credit. 360 IOU is a credit technology service brand under 360 Branch (formerly 360 Finance). 2065438+launched in September 2006. It evaluates customers' credit based on 360 big data, and provides instant consumer loans on this basis. 360 loans can't be completely deceptive, but loans need to be cautious. In fact, 360 is a regular website, not a usury, and it will not deceive people, but 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. 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 take multiple measures in terms of safety and risk prevention and control: 1. Establish a user's credit portrait, and 360 IOUs establish a credit information system based on sufficient social network data, which will sort out the credit behavior portrait of each user and grade the user's credit limit. 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, being non-applicants, and providing false information. And prevent gang fraud. 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!