Which is better, 360 IOU or micro loan?

It's also a lending platform, so it's pretty much the same. WeLoan is owned by Tencent, and 360 IOU is a credit product of 360. WeLoan is open to WeChat and QQ users on an invitation-only basis.

360 is intended for 360 users. The amount is also different, micro loan is 500 to 300,000, 360 is 500 to 200,000, like my own words, when I was ready to apply for a loan product, after comparison I chose to have money to spend, it is a credit service brand under Xiaoman Finance (formerly Baidu Finance), the maximum amount is 200,000, the lowest daily interest rate is 200,000, and no service fee is charged, as long as these conditions are met, you can apply. First, the age requirement:

Clause. 2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

360 IOU is a consumer credit brand of 360 Digital Technology Group, launched in September 2016, based on 360 big data to evaluate customer credit as a whole, and on this basis, to provide users with consumer loans, according to credit risk, payment habits, consumption and other comprehensive considerations, grant users different loan amounts, up to 200,000 yuan.

If you have the need to borrow, you can also choose to spend money under Du Xiaoman Finance. Youqianhua, formerly known as "Youqianhua", is a credit brand under Du Xiaoman Finance (formerly Finance), which provides users with safe, convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

360 IOUs.

The loan is reliable, the interest is not particularly high, the current 360 IOU is calculated on a daily basis, the general daily interest rate can be as low as about, if converted according to this, the average annual interest rate of 360 IOU.

In the right way, compared with the current daily interest rate of credit card cash withdrawals, the annual interest rate of credit card cash withdrawals is about 18%, which is very cost-effective.

1. The meaning of 360 IOUs.

Launched in September 2016, 360 IOU is a personal and small and micro credit platform under 360 Digital Technology (formerly 360 Finance), which evaluates customer credit based on 360 big data and provides instant consumer loans on this basis.

2. 360 IOUs take multiple measures in terms of security and risk prevention and control

1) Establish user credit portraits, and establish a credit reporting system based on sufficient social network data.

The credit behavior portrait of each user will be sorted out, and the user's credit limit will be graded.

If you have capital turnover needs, it is recommended that you use money to spend, and money to spend is Du Xiaoman Finance.

Its credit service brand (formerly known as Youqian Hua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

2) Establish a social behavior model, 360 IOU establishes a credit score calculation system based on the user's social circle, and uses the user's network as a credit rating reference.

3) Establish a whitelist.

The blacklist system opens a green channel for high-quality credit users, and on the other hand, provides blacklist user inquiries to prevent users from applying repeatedly, applying for information other than themselves, false information, etc., and preventing gang fraud.

4) Leading security technology, relying on 360's leading cloud security system, 360 IOU multiple technologies to protect users' data security.

Privacy is safe and secure.

5) Professional and high-quality team: 360 has a leading high-level security technical team in China and risk control from domestic first-line large financial institutions.

Team. 360 IOU is based on 360 Credit, an independent third-party credit rating and management agency under 360, through cloud computing and machine learning.

360 big data and other technologies objectively present an individual's credit status. According to the comprehensive consideration of credit risk, payment habits, consumption situation, etc., users are granted different consumption limits.

Don't go to 360, a garbage platform, the annual interest rate scares you to death, and the annual interest rate for early repayment can receive you 36%! And the customer service wants to give you a loan every three or five times, saying that you can handle the amount of interest reduction if you lend out all the amount, and you lend out the amount in advance, but the amount of interest reduction is not passed, and the interest is paid in vain. One of the most disgusting platforms!

Summary. Generally, the use of micro loans is in WeChat, after the application is successful, the loan will be transferred to the wallet, and then withdrawn, if it is because you have not found the wallet for lending due to personal reasons, resulting in the inability to withdraw, this situation is your personal responsibility.

Have you checked the bank card in the contract?

Well, take a screenshot of the chat history from contacting customer service.

The card number is correct, but the money has not arrived, and no one has arrived.

Right. In your case, there are generally two problems: first, the other party has already released the loan, but you have not withdrawn the money; Second, the other party is a liar.

The second situation encountered by the teacher appears a lot!

The second type has an obvious suspicious feature that the applicant's bank card number is written correctly, but the other party deliberately makes a mistake and the loan is not sold, and the loan is repaid normally.

Can I pay back this money.

You don't have to pay it back! However, it is still necessary to confirm whether the other party has made a loan.

Generally, the use of micro loans is in WeChat, after the application is successful, the loan will be sent to the wallet, and then the withdrawal bureau is clustered, if it is because Tong and you have not found the wallet for the loan, resulting in the inability to withdraw, this situation is required to Zheng Zhi you personally bear.

You logged in from this portal?

This is not a regular login path, and then you can contact customer service in the following ways:

1Open the app, search and click ***. 2. Click on the model to judge more, and then click on customer service. 3. Click on the page to change the customer service of the next party. 4. Click on the type of human customer service to contact the human service.

Yes, dear! After contacting customer service, the first thing to do is to confirm the loan contract you signed!

360 IOU and WeLoan are both pure credit loan platforms, and are operated by licensed financial institutions, which are convenient and fast to borrow, and have relatively strong strength. Of course, in addition to 360 IOUs and micro loans, there are many similar loan software on the market. So what are the software like 360 IOUs and WeLoan?

Today, I will give you an inventory, and you don't have to worry about borrowing money with these few loans.

1. Good flowers.

The pure online loan operated by Baixin Bank has a maximum amount of 200,000 yuan, and the application is relatively simple, the borrower only needs to provide simple information, upload personal ID card, bind bank card, complete real-name authentication, and obtain system credit to borrow. Non-student users aged 20-50 with good credit and stable income can try it.

2. Have money to spend.

Du Xiaoman credit loan, similar to 360 IOU and micro loan, can be applied for online, with a low threshold and a high amount. Non-student users who are at least 18 55 years old, have a stable job and income, and do not have bad credit can borrow money. As long as you submit a simple personal information, register with a real-name mobile phone number, upload a valid second-generation ID card, and bind your bank card to complete real-name authentication.

3. The goose spends money.

In addition to borrowing money to a bank card, you can also pay directly through WeChat, borrowing does not need a separate **app, you can spend money through Little Goose, or Little Goose spend money WeChat applet, submit basic information according to the prompts, complete real-name authentication, and obtain system credit to borrow money.

1. Different lending models: 360 IOUs are mainly used to lend to the outside world through their own blind birds, the maximum loan amount can reach 200,000 yuan, the loan term can reach up to 12 months, and the daily interest rate is as low as. 360 Loan mainly introduces you to other loan platforms, there are a large number of loan platforms, you can choose the right loan platform according to your actual needs.

2. The maximum loan amount is different: the premium loan in the 360 IOU can be loaned up to 300,000 yuan, and the daily interest rate is as low as. The loan amount of 360 loans starts from 500 yuan, and the most grinding early high can reach 200,000 yuan.

3. The scope of use is different: 360 IOUs are mainly used to apply for cash loans and purchase goods in installments. 360 Loan is mainly used to choose a loan platform, as well as to apply for a bank credit card. Therefore, 360 IOUs and 360 loans also differ in terms of the scope of use.

4. The main nature is different: 360 IOU is an online loan platform for external lending, while 360 IOU is an online loan navigation that introduces the loan platform for everyone. Therefore, the nature of the two is completely different.

5. It should be noted that 360 IOU is a consumer credit platform under 360 Financial Group. 360 IOUs are on credit for each transaction, and banks generally think that customers have used usury when taking out loans. It's okay to use 360 IOUs once and twice, but if you have more, you will basically have no chance with bank loans, let alone loans to buy houses and the like.