Is 360 IOU borrowing reliable? Is it reliable to borrow 360 IOUs?

How about 360 IOUs?

IOU is owned by 360 DigiTech, and 360 DigiTech is a formal licensed operating institution, and is a listed company, as well as the background and technical support of 360 Group, a leading Internet security company in China.

The maximum amount of IOU can be borrowed is 200,000, and the maximum amount that many other small loan products can borrow is only 50,000, so the high amount is also an advantage.

IOUs can be divided into up to 24 periods, although in the loan term, 24 periods are not particularly long, not as good as others' 36 periods, but better than only 12 periods, in a medium position, and 360 IOUs can be borrowed multiple times at the same time, and the amount can also be recycled, the conditions are still very good.

The annualized comprehensive interest fee of the IOU is the lowest, 1,000 yuan borrowed for 12 months, and the daily fee is as low as 1 cent 2, it can be seen that the interest fee is still very low, but the applicant is different, the degree of risk is different, not everyone can get low interest, and the high risk may be high, but the maximum will not exceed the scope of legal protection, after all, the cooperative institutions are regular banks and licensed consumer finance companies.

360 IOUs.

It is quite reliable, and the loan application on the 360 IOU is very fast, and the interest is similar to that on the market. However, 360 IOUs are 360 Finance.

Its personal and small and micro credit platform, 360 Finance is a large company, the market value can be seen, it has taken multiple measures in terms of security and risk, and has also established a black and white list system to open a green channel for high-quality customers and crack down on the blacklist.

It also has leading security technology to protect customer privacy and security, so it's quite reliable.

If you have a need for funds, we recommend Xiaoman Finance.

Click on the official scale）。There is money to spend on consumer loans, and the daily interest rate is as low as lowAnnualized interest rateAs low as 200,000, the maximum amount can be borrowed, there is money to spend.

The approval speed is relatively fast, the fastest is 30 seconds to complete the approval, under normal circumstances, the review time is 2-3 working days.

360 IOU 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 is about 18%, compared with the current bank's credit card cash withdrawal daily interest rate, the credit card cash annual interest rate is about 18%, so it 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 a user's credit profile, 360 IOUs establish a credit information system based on sufficient social network data, sort out the credit behavior portrait of each user, and grade the user's credit limit.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018", there is money to spend. "The big brands are reliable, the interest rates are low and trustworthy.

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 and blacklist system to open a green channel for users with high-quality credit, and on the other hand, provide blacklist user inquiries to prevent users from applying repeatedly, not personally, false information, etc., to prevent gang fraud.

4) Leading security technology: Relying on 360's leading cloud security system, 360 IOU's multiple technologies protect users' data security, privacy security and security.

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

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.

360 loans are reliable, but there are certain risks. The interest rate is also high, so be careful not to be fooled. 360 IOU is a personal and small and micro credit platform under 360 Finance, launched in September 2016, based on 360 big data to evaluate the customer's credit cover, and on this basis, to provide instant receipt of consumer loans.

Relying on 360 Group's advanced Internet security technology and big data technology, 360 IOU is committed to improving the domestic personal credit system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient financial services for all groups in society with financing needs. The application quota of 360 IOUs 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