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, it evaluates customers' credit as a whole and provides instant cash loans 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.
What is a 360 loan?
360 loan is a loan product launched by 360 finance company, but 360 loan itself does not lend to the outside world. 360 loans will provide navigation services for those who need loans, and it is the third-party financial institutions that really lend money to loan applicants.
To apply for a loan on the 360 loan platform, you need to provide the following information:
(1) Valid identification of the loan applicant.
(2) The loan applicant must be 18 years old.
(3) proof of income of the loan applicant. Whether it is a bank statement or other financial proof, it is ok. It must be proved that the loan applicant has the ability to repay the principal and interest on schedule.
(4) The personal credit information of the loan applicant is good and there is no bad credit record.
(5) Provide the loan applicant's own bank card and bound mobile phone number, and the provided mobile phone number needs real-name authentication.
In addition to the above materials, in order to improve the probability of applying for a loan, you can also add some other supporting materials. The more detailed the verification materials provided, the higher the probability of loan approval.
When you borrow money online, please remember that you need to pay any fees before the loan arrives. Under any circumstances, don't remit money, transfer money or pay any fees to others first to avoid being cheated.
Don't be afraid of any threats from swindlers. Because the other party is suspected, the contract signed with the liar has no legal effect. There is no such thing as a breach of contract. The liar said that he would come to you, and the threat of demanding compensation for liquidated damages is even more nonsense.
How about a loan of 360?
360 IOUs are easy to review, as long as users provide real and detailed personal information, they can be reviewed quickly. If the borrower provides false information, not only the audit speed is fast, but also the loan will be permanently refused by the 360 loan, and other products of 360 Finance will not be used smoothly in the future, which will also have a certain impact on your personal credit.
360 loan approval probability
360 IOU application materials can be filled in according to the above rules. 360 IOUs are based on 360 Credit, an independent third-party credit evaluation management organization 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.
The application amount of 360 IOUs is granted according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quantity is also dynamic. When the user behaves well within a period of time and meets the withdrawal policy, the corresponding amount may increase.
The borrowing conditions of 360 IOUs are:
1. The borrower is at least 18 years old and has full capacity for civil conduct;
2. The borrower has good credit and no bad records or illegal acts;
3. The borrower has a stable job and income and can repay the loan on time.
In fact, the loan threshold of 360 IOUs is low, and anyone who has a normal and stable job can apply. The maximum application amount is 200,000 yuan, and the specific amount will be reviewed according to the information submitted by the borrower. If borrowers can provide more financial proof, they can get more loan lines.
Extended data:
360 IOU is a personal and microfinance platform under 360 Branch (formerly 360 Finance). It was launched in September 2065438+2006. Based on 360 big data, the credit of customers is evaluated, and instant consumption loans are provided on this basis.
On July 7th, 202 1, the core product of QFIN. US, a financial technology company listed in the United States, has been removed from several application stores. The pre-market decline of the 360 target expanded to 20%.
The introduction of 360 fast loan ends here.