There is no guarantee that the 360 loan will be repaid, because the amount is only a credit line, which is a value comprehensively evaluated by 360 according to the borrower's application materials. As for whether the loan can be successful in the end, it depends on whether the applicant meets the requirements of lending, so here I mainly introduce the reasons why 360 IOUs can't be borrowed.

The reason why 360 IOUs cannot be lent is limited.

1, which does not meet the loan conditions: although many people successfully obtained the credit line after applying. However, in fact, the credit limit changes in real time. If it does not meet the requirements of lending, then the credit line will not be paid.

2. stricter risk control: it is a well-known fact that the risk control of online loans is becoming stricter. For example, some online loans need to grab quotas, which is also a means to strictly control risks. Although 360 IOUs only need to fill in some basic information to get the credit line, for the risk control system, the risk of fund information evaluation is relatively high, so there is no line.

3. There are restrictions on the loan amount: the business of the small loan industry is tightening, and the daily loan amount cannot be unlimited. If multiple applicants apply at the same time, the system will only complete the loan for the best qualified users, while it is basically difficult for users with average qualifications to lend money.

4. The loan amount is too high: the loan amount applied by some users is equivalent to their credit limit. In this case, the loan failed because the loan amount applied for was too large. Usually, the loan amount is less than half of the credit amount, which is relatively safe. After all, the application is a personal credit micro-loan, and it is easy to apply for a quota of tens of thousands, just filling in some basic information. In this case, the wind control system will not pass.

Here, I suggest that you improve your personal data as much as possible, and at the same time settle all the previous online loan liabilities, so as to help you succeed in the 360 loan. Otherwise, even if there is a quota, you can't borrow it. On the other hand, the loan application was rejected.

What should I do if I can't borrow 360 IOUs? This may be the case.

I believe that many users have encountered the same situation as me now. After registering 360 IOUs, I submitted a loan application and obtained the quota through examination and approval, but found that I could not borrow. Getting the quota can only show that you can borrow so much money with your qualifications, but there is no guarantee that you will be able to make the next payment. What if I can't borrow 360 IOUs? I went to consult a professional, and they said it might be so.

First of all, we need to make clear the reason why we can't borrow the line, and then determine the corresponding solution according to the specific situation.

Generally speaking, there are several main reasons why lines cannot be borrowed:

First, the platform's loan quota has been used up that day. At present, all lending platforms are tightening their business and strengthening risk control. Therefore, the daily loan amount is limited, and it is necessary to grab the amount as soon as possible. If you apply for a loan later that day, it is very likely that the loan quota of the platform has been used up that day. It is also possible that the remaining quota is not much, but it is given priority to users with better qualifications, and users with average qualifications cannot borrow it. I suggest you apply in the morning of the working day to avoid this situation.

Second, the loan amount applied for is too large, and some users can borrow as much money as they apply. It is difficult to get a successful loan in this situation. Generally speaking, the loan amount applied for is about half of the credit line, and the success rate is relatively high. After all, the maximum amount of 360 IOUs is 200,000, and many people can get tens of thousands of credit lines, but it is unrealistic to lend them all at once.

Third, the comprehensive score is insufficient. 360 IOUs need to be approved before each loan. If the comprehensive score is insufficient, you can't borrow it. It stands to reason that as long as it is not overdue, this will not happen if it is repaid on time. However, some users have reported that this is a routine of 360 borrowings. Even if it has never been overdue, this will happen, and you can only wait for a while before applying.

There is an upper limit for 360 IOUs. First of all, it depends on your credit limit or available credit limit. The credit line shall not be lent. Only the possible credit line is the line you can lend, and not all of them may be lent. If you find that you can't borrow money when using 360 IOUs, you can compare the above three reasons and see which solution you should choose. If you can't solve it, you can call customer service to ask.

360. Will the loan amount be paid directly after the evaluation is successful?

After the 360 IOU loan amount is successfully evaluated, it will not be directly allocated, but the system will supply the corresponding amount to the customer. The customer needs to apply for a loan later, and then the system will review the loan. After the supply is approved, the system will release the corresponding funds to the bank card bound by the customer for the customer's use.

The maximum credit line of 360 IOUs is 200,000 yuan, and the single loan amount is not lower than that of 500 yuan. Customers can choose the appropriate loan amount according to the approved credit amount and their own capital demand and repayment ability.

360 IOUs called to say that there is a quota to apply for a loan?

360 borrowed money and called to say that there are places. Users can check whether there is a quota on the page through the 360 debit APP, and they can apply for a loan if there is a quota. In fact, the call received by users belongs to the loan business promotion call, and the salesman's task is to let more people try to apply for 360 IOUs. As for the fact that there are places on the phone, it doesn't mean there are places.

360 Whether there is a loan amount depends on the page display. If the limit is not displayed on the page, users cannot submit loan applications.