360 IOU review process, how long does it take to review the application for 360 IOU?

Hello, the 360 loan process is as follows: log in to the 360 IOU, click Apply Now, face recognition, real-name information, add receiving card, common contact, and submit the application. It is recommended that you choose a large platform that is safe for loans.

This answer is provided by Youqian Hua, I hope it will be helpful to you. Like Alibaba's borrowing and Tencent's micro loan, Youqian Hua is a credit service brand of Du Xiaoman Finance (formerly Finance), which belongs to a large company and a big brand, is formal and safe, and not only has a very low interest rate but is also very reliable. Relying on the advantages of technology and scenarios, Youqianhua has used artificial intelligence and big data risk control technology to lend more than 400 billion yuan, providing convenient, fast and reassuring Internet credit services for countless users.

I don't know, I don't understand, I used a speed recently.

The 360 IOU credit review is operated by the system, and the system will conduct a comprehensive evaluation based on the customer's age, education, income, job, personal credit and other information, and the final review result shall be subject to the results displayed on the page.

Under normal circumstances, the review result can be given in about 10 minutes from the time the application is submitted, but each person's situation is different, and the specific review time is different, but most of them will release the review result on the same day. Except for some individual cases, such as the system will be reviewed after the ** audit.

Some customers may receive a return visit from customer service** for confirmation, so be careful not to miss the connection at this time. The questions asked by the customer service review are basically the information you filled in when you apply, and you only need to answer in an affirmative tone according to the information you filled in during the application.

You will receive a text message after the 360 IOU is approved, and if the review is not passed, it means that the comprehensive score of your application is insufficient, and it is recommended that you can try to apply again after 2-3 months according to the page prompts.

According to reports, as the first personal consumption credit product of 360 Financial Group, 360 IOU establishes user portraits with the help of Internet security technology and big data technology, accesses the central bank credit system, and grants each user the corresponding loan amount through big data. At present, the credit line ranges from 500 yuan to 200,000 yuan, and it only takes 1 minute for users to review and approve the loan from the application to the earliest.

1.The maximum amount is 200,000 yuan, and the loan can be disbursed in 1 minute at the earliest.

As a consumer credit product, the credit line is the most concerned issue for many users. 360 IOUs are based on the user's personal credit status and combined with big data for credit, and the loan amount ranges from 500 yuan to 200,000 yuan. It has the characteristics of large amount, fast loan and easy operation.

2.Facial recognition is a highlight of the review process.

Users only need to put their face in the frame, complete the face brushing steps according to the voice prompts, and then take a photo of the front and back of the ID card to complete the verification of the borrower's ID card information, without providing cumbersome property or work proof, and it only takes 1 minute from the application to the approval at the earliest.

3.The lowest daily interest rate and no handling fee will be charged as you borrow.

In terms of interest rate, He Zhiqiang introduced that 360 IOUs adopt a daily interest calculation method, with the lowest daily interest, that is, borrowing 1,000 yuan, and the interest rate for 1 day is only yuan, which is equivalent to an annual interest rate as low. The term of the loan can be 3 6 12 months, and the monthly interest will be reduced month by month after deducting the repaid part.

The review time of 360 IOUs is indefinite, and it can generally be passed on the same day. Some people may review faster, while others may review more slowly. However, the 360 IOU is reviewed by the system throughout the process, and there is no human participation, so the review speed is generally relatively fast.

It is said that 360 IOUs can be reviewed in as little as 10 minutes.

However, there are also individual users who will receive ** from 360 after applying for a loan on 360 IOU, which needs to be reviewed, so the review will take longer.

360 IOUsCredit Method:

360 IOU is based on 360 Credit, an independent third-party credit evaluation and management agency under 360, and objectively presents an individual's credit status through cloud computing, machine learning, 360 big data and other technologies. According to the comprehensive consideration of credit risk, payment habits, consumption situation, etc., users are granted different consumption limits.

The application limit of 360 IOU is granted according to the user's accumulated consumption, repayment and other behaviors on the platform, and the user's various behaviors on the platform are dynamic and changing, and the corresponding amount is also dynamic.

The early repayment is repaid and then the application is not passed by the comprehensive assessment, which is too pitted

This review is too slow to borrow.

I've been reviewing both days now. Still under review.

360 IOUs can be borrowed in one day at the earliest. The review is very fast within working days.

When borrowing through 360 IOU, after the user submits the loan application information, the system will automatically review it, and the review result can be issued in 10 minutes. However, individual users need to be reviewed, and the time to use it may be relatively long, and users need to wait patiently.

When borrowing on 360 IOUs, you must ensure that your personal credit is good, if your personal credit is bad, it will be difficult to borrow money on the platform at this time. If the personal credit is bad, it is recommended that everyone find out the cause and make corresponding improvements. Generally, the bad credit report will be kept for 5 years after correction.

When borrowing on 360 IOUs, different users get different amounts, generally the first loan amount is relatively low, and the subsequent loan amount will continue to increase. When borrowing, different users get different borrowing interest rates, usually with the increase in the number of borrowing, the borrowing interest rate will be reduced, and the borrowing reduces the interest expense.

After borrowing on the 360 IOU, you must repay the loan on time, and do not have a late repayment, if there is a late repayment, penalty interest will be charged, and the burden of later repayment will increase. Moreover, the platform will collect after Shijing's overdue repayment, and the common collection method is to call the borrower's **.

Version information: Take the 360 IOU version, Apple 13 (system), and Huawei Mate40 (HarmonyOS2) as examples.

Step 4: Click "Borrow Money" on the 360 loan page, enter the loan amount according to the prompts on the page, select the repayment method, loan term, and loan purpose, and click "OK".

After the user submits the information, the system will automatically review the user's loan application and assess the amount for the user according to the user's comprehensive qualifications. The application result will be sent to the user's registered mobile phone number in the form of SMS, and the user can also log in through the 360 IOU app to view.

As long as you are at least 18 years old and not more than 55 years old, mainland residents can apply for loans provided by 360 IOUs. Users need to provide their valid ID cards, bank cards, and mobile phone numbers for real-name authentication. 360 IOUs only support second-generation ID cards to apply for loans, and do not support other documents such as driver's licenses to apply for loans.

360 IOUs will grant credit to users based on their personal credit reports, consumption behaviors, payment habits, and lending records of other financial platforms.

The borrowing interest rate and credit line given by different users 360 IOUs are different, usually the credit line is relatively low when it is just opened, and the credit line will increase as the user uses it. At the same time, the borrowing interest rate will gradually decrease with the use of users.

The loan handled on the 360 IOU must be repaid on time, and there should be no overdue repayment, because there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest. Moreover, after the overdue repayment will be uploaded to the credit information center, and the personal credit will affect the processing of various loans, such as car loans or housing loans.

In order to avoid not being able to repay the loan on time, it is best for the user to know what kind of income he uses to repay the arrears when handling the loan. If your personal income is not very large, you should be cautious about borrowing at this time. In fact, when the borrowing amount is not very large, users can directly borrow from their friends for emergencies, so as to avoid interest expenses.

2. Enter the profile page to start improving your personal information, including face recognition, ID card information uploading, bank card information uploading, credit inquiry authorization, etc.;

3. After uploading your personal information, you can get the credit line and loan interest rate provided by the system;

4. Select the appropriate loan amount and loan term according to your actual loan needs and credit line, and submit an application for cash withdrawal after confirming the loan plan;

5. After submitting the cash withdrawal application, the 360 IOU will quickly process the borrower's cash withdrawal application and release the loan quickly, which is basically the same day.