How about enjoying borrowing in 360 IOUs?

Is Lexiang Loan reliable, and is Lexiang Loan a formal loan platform?

Enjoy Lending is a product of Bank of China Consumer Finance, a subsidiary of Bank of China.

From the perspective of the strength of Lexiang Lending: the loan interest of Lexiang Loan is within the scope of national regulations. The amount provided by Lexiang Loan is relatively high, with a maximum amount of up to 200,000 yuan, which can meet the needs of users at different levels.

Happy Loan is a mortgage consumer loan product, which needs to be mortgaged, and can be done within seven days.

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. 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.

It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

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. Online loans are risky, so you need to be cautious in your choice!

360 IOUs are reliable, but netizens feedback that the interest rate of 360 IOUs is high.

According to the information officially released by 360, 360 IOUs start at 500 yuan, and the maximum amount is 200,000 yuan.

The official name of the 360 IOU is: 1,000 yuan for 12 months, and the daily fee is 2 cents and 7 (subject to the approval result). That is, the minimum daily interest rate for 360 IOUs is.

However, the actual interest rate depends on the borrower's comprehensive qualifications, so when everyone applies for a 360 IOU, the interest rate may be different. Generally, the better the comprehensive qualifications of the individual, the lower the approved amount may be.

However, according to the feedback of most netizens, the interest of 360 IOUs is still relatively high. Most people apply for 360 IOUs and are approved for a daily interest rate of about 18% to about 18% when converted into an adult interest rate.

Click on the official free test credit), daily interest rates as low as toIt has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

360 IOUs.

He is more famous, and he is also very strong in promotion. In terms of interest, the initial borrowing should be about the same, and there is no big difference. Generally, it is about 5/10,000, as you borrow more times and become a high-quality customer, the interest will be lowered accordingly, and sometimes there will be interest-free coupons.

Borrow installment fun.

Which 360 IOU is easy to use?

1. Loan amount.

The maximum loan amount that can be provided for borrowers is 300,000 yuan, and according to the feedback of actual users, most users can apply for a loan amount of 1-20,000 yuan.

Installment can provide users with a maximum loan amount of 200,000 yuan, and most users can finally apply for a loan amount between thousands and tens of thousands of yuan. 360 IOUs can provide users with a maximum amount of 200,000 yuan, and most users finally apply for a limit of about 5,000-30,000 yuan.

2. Loan interest rate.

In terms of interest, the daily interest rate is about 10,000 to 50,000; The minimum daily interest rate of 360 IOU is 10,0003, and the interest rate is still higher than that of borrowing according to the actual feedback of users; The daily interest of the installment is between the solstice.

3. Loan application threshold.

Borrowing is a whitelist.

The invitation system requires that in addition to the borrower's good credit, Sesame Credit is required.

Follow to reach 600 points or more. 360 IOUs require the borrower's mobile phone number to apply for a loan, which needs to be authenticated by real name and at the central bank.

There are no serious credit stains on the credit record.

The borrower is required to borrow no more than 3 banks, consumer finance companies, microfinance companies and other institutions, have a fixed job and stable income, and have the ability to repay the principal and interest on time.

Extended Information: 360 IOUs.

The 360 IOU is 360 DigiTech.

Launched in September 2016, the personal and small and micro credit platform of 360 Finance evaluates customer credit based on 360 big data, and provides instant consumer loans on this basis.

July 7, 2021, U.S. stocks.

Listed fintech.

1. Different lending models: 360 IOUs.

The loan amount can reach up to 200,000 yuan, the loan period can reach up to 12 months, and the daily interest rate is as low as 12 yuan. 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 starts from 500 yuan and can reach up to 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 credit platform for the elimination of family fees under 360 Financial Group. 360 IOUs are each on the credit report, bank loans.

It is generally believed that the customer has used usury.

It's okay to use 360 IOUs once or twice, but if you have more, you will basically have no chance with bank loans, let alone loans to buy houses and the like.

Extended information: IOUs are to indicate the legal relationship between the loan and the loan.

A written certificate, usually written by the borrower, indicates that the borrower has borrowed money or goods from the lender. The IOU should include the name of the lender and the borrower, the ID number, the amount of the loan, the purpose of the loan, and other basic contents, and may also contain the interest rate of the loan, the overdue interest rate, the time of repayment, etc. The IOU should be signed and stamped by the borrower.

According to the Civil Code

Article 667 stipulates that a loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest. Article 668 stipulates that the loan contract shall be in written form, unless otherwise agreed upon between natural persons. The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

The loan amount of 360 Privilege Loan and 360 IOU is not shared, the loan amount of 360 IOU can reach up to 200,000 yuan, and the loan amount of 360 Privilege Loan can be up to 300,000 yuan.

360 Privilege Loan is a loan product specially launched for people who have a house, a car or a salaryman, and different users get different amounts when applying for loans, and different users get different borrowing interest rates when handling loans, with the lowest daily interest.

360 IOU applicants need to be at least 18 years old but not more than 55 years old when applying for a loan, have a valid personal identity certificate, and have independent civil capacity; There is also a stable job or a certain income**, strong personal repayment ability, etc., and finally a good personal credit.

360 Privilege Loan and 360 IOU must be returned on time after use, if there is a late repayment, the platform will charge penalty interest, the longer the penalty interest will be charged. In addition, the overdue record will be uploaded to the credit information center, and the personal credit investigation will affect the subsequent processing of various loans in the future.

There are also some differences. Here are some comparisons of them:

Rates: Installment Notes have comparatively lower rates with a minimum monthly interest rate, while 360 IOUs have a comparatively higher rate with a minimum monthly interest.

Amount: The amount of installment is higher, with a maximum of 100,000 yuan, while the amount of 360 IOUs is relatively low, with a maximum of 50,000 yuan.

Review time: The review time of installment is relatively short, generally completed within 1 working day, while the review time of 360 IOU is relatively long, generally taking 3-5 working days.

Loan time: The loan time of installment is relatively fast, generally arriving within 1-2 working days after approval, while the loan time of 360 IOU is relatively slow, generally taking 3-5 working days.

Overall, Installment Le and 360 IOU He Ming are both more reliable consumer installment service providers, and choosing which one is better needs to be decided according to the actual situation and needs of the individual.

The advantages of 360 IOUs are mainly reflected in the large number of users and high activity, with massive user credit data and behavior data, advanced Internet technology, convenient experience and professional and high-quality team.

No, these are two different platforms.