Are 360 IOUs real? Are 360 IOUs legitimate?

360 IOUs.

It's true, it's reliable. Launched in September 2016, 360 IOU is a personal and small and micro credit platform under 360 Finance, which evaluates customer credit based on 360 big data and provides instant consumer loans on this basis.

360 IOU 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.

2. Establish a social behavior model, establish a credit score calculation system based on the user's social circle, and use 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.

Really, under 360 Digital Science.

360 DigiTech is an AI-driven fintech platform, driven by technology and self-developed risk control technology, working with financial partners to provide users with products and services.

Its products. 360 IOUs.

360 IOU is a credit technology service brand of 360 DigiTech, relying on 360 DigiTech's Internet security technology, relying on the advantages of core technology fields such as big data analysis, artificial intelligence, and cloud computing, focusing on the needs of financial services, improving the efficiency of financial services, and providing users with financial technology services. [60]

360 Turnaround.

360 Turnover is a credit technology service brand under 360 Digital Technology that serves small and micro business owners and individuals, helping them solve their capital turnover problems.

60 The application conditions for IOUs are as follows:

1. The borrower must be between the ages of 18 and 55 and must hold a mainland resident ID card;

2. The bank card used to apply for the loan must be a savings card of 15 banks: China, Agriculture, Industry, Construction, Communications, Everbright, Postal Savings, China Merchants, Pudong Development, CITIC, Industrial Bank, Minsheng, Guangfa, Huaxia and Ping An;

3. Personal credit is good, and there is no serious credit stain on the credit record of the central bank;

4. The mobile phone number used for the loan needs to be authenticated by real name.

Application Tips:

1. When you apply for a 360 IOU, you can submit your own work certificate, income certificate, provident fund deposit certificate, social security certificate, sesame credit score, etc.

2. Before applying for a 360 IOU, try to minimize your debts. In other words, everyone should try to pay off their credit card arrears and various loans.

3. Apply for your own credit card before applying for a loan from a 360 IOU.

Extended information: Relying on 360 Group's advanced Internet security technology and big data technology, 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. 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 quota of the 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 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.

The interest rate of 360 IOUs is not high. In terms of interest rate, 360 IOU adopts the method of daily interest calculation, with the lowest daily interest, that is, borrowing 1000 yuan, 1 day of interest as long as yuan, the loan term can be selected as a month, and the monthly interest will be reduced month by month except for the repaid part, which supports early repayment, and there is no handling fee for early repayment, and the amount can be recycled.

1. Interest on 360 IOUs.

How to calculate the interest on 360 IOUs? For example, if the interest on your 360 IOU is 1%, you borrow $6,000 and repay it within 6 months, and the monthly installment fee is: interest = 6,000 * 1% = $60.

360 IOU installments are a lump sum repayment of principal and interest, rather than monthly repayment of principal and interest according to the loan contract. 360 IOUs borrowed from 500, up to 200,000, and most financial institutions, 360 IOUs are calculated on a daily basis, and the daily interest rate is between, but 360 IOUs do not need to provide a lot of financial proof, providing convenience, fast, and large amounts for the masses.

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.

2. Calculation formula.

Interest = Loan Amount Loan Duration Loan Interest Rate. The lowest daily interest rate on 360 IOUs is, according to this interest rate, if you borrow 10,000 yuan for 1 day the interest is 10,000 yuan, if you borrow 10 days, it is 27 yuan, and 100 days is 270 yuan. The loan interest rate on the 360 IOU is reviewed by the system according to the user's information, each person may be different, how much is the specific one, subject to the one displayed on the page, after knowing the interest rate, and then substitute the formula to calculate your interest.

Legitimate. First: if it is illegal, the state will ban it.

Second: If there is a violation, it will be announced and ordered to be corrected.

Third: the enterprise is operating normally and within the scope of business, which means that there is no problem.

Summary. Hello friends, yes, 360 IOU is formal and legal, 360 IOU is a small loan financial license, after the review of the relevant state departments, the loan interest of 360 IOU does not exceed the national regulations, belongs to the formal small loan enterprises.

Are 360 IOUs legitimate?

Hello friends, yes, 360 IOU is formal and legal, 360 IOU is a small loan financial license, after the review of the relevant state departments, the loan interest of 360 IOU does not exceed the national regulations, belongs to the formal small loan enterprises.

360 IOU is a personal and small and micro credit platform under 360 Finance. Based on 360 big data, the customer's credit is evaluated, and on this basis, the cash loan is provided with instant arrival. 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.

Specific application steps: Open the application 360 IOU to apply for a loan, click to apply for a loan, register a 360 IOU, fill in the mobile phone number as required, apply for a loan according to the prompt**360 IOU app, open the home page to apply for a loanThe specific application process: Apply for a loan according to the guidelines, which is mainly divided into 4 steps:

1) Enter the credit granting process - face recognition 2) Verify the borrower's ID card information 3) Bind the receiving bank card and set the transaction password 4) Set the common contact 5) The system will evaluate the specific amount based on the uploaded information, and you can see how much your limit is after a few minutes.

Summary. Hello, dear, 360 IOUs are regular. You can use it with confidence!

There will be no phenomenon of rolling interest, and the specific analysis is as follows IOU is a credit drip fee platform under 360 DigiTech, providing users with loans within the limit of 200,000 yuan. The loan interest of the 360 IOU is given according to the borrower's comprehensive qualifications, if you choose the repayment method with equal principal and interest on a monthly installment, the monthly interest rate is the lowest, which is converted to the daily interest rate.

Are 360 IOUs legitimate?

Hello, dear, 360 IOUs are regular. You can use it with confidence! There will be no rolling profits, and the specific analysis is as follows:

IOU is a credit drip fee platform under 360 DigiTech, providing users with loans within the limit of 200,000 yuan. The loan interest of the 360 IOU is given according to the borrower's comprehensive qualifications, if you choose the repayment method with equal principal and interest on a monthly installment, the monthly interest rate is the lowest, which is converted to the daily interest rate.

To determine whether an online lending platform is legitimate, it can mainly be judged by the loan certificate, lending channel and user reputation. 360 IOU is a small loan platform under 360 Network, which mainly provides users with pure credit loans, with a limit of less than 200,000 yuan, a term of use between 1-12 months, and a daily interest rate as low as that. As a small loan product behind a large manufacturer, 360 IOU belongs to a licensed institution, which has its own mobile app and official website, and can be found through common channels.

In addition, when applying for a loan, 360 IOUs do not need to pay intermediary fees, certification fees, handling fees, etc. There is not a lot of negative information, and there is no information such as baoli collection. Therefore, 360 IOU is a regular loan software that can be used with confidence.

Summary. Hello dear! 360 IOUs are owned by 360 Finance, so they are regular. Nowadays, there are many small loans on the market that are relatively easy to apply for, and the online application and online loan mode are directly adopted, and there is no need to provide mortgage guarantees, and you can borrow money completely with personal credit.

Hello dear! 360 IOUs are owned by 360 Finance, so they are regular. Nowadays, there are many small loans on the market that are relatively easy to apply for, and the online application and online loan mode are directly adopted, and there is no need to provide mortgage guarantees, and you can borrow money completely with personal credit.

How much is the interest?

Is there an advantage over private lending?

Is it good to evaluate everyone?

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.

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 of06% or so, and the adult interest rate is around 18%.

The interest rate of 360 IOUs is still much higher than the bank interest rate, after all, the annual interest rate of the bank generally does not exceed 10%. However, its annual interest rate does not exceed 24%, which is legal interest and not usury.

<> hope it helps! Kiss!

Oh thank you. The bank is better than him. 360 is just a second choice.

How much is it?

<>Yes! 1. Benchmark interest rate for bank loans: 1. Loans within six months (including 6 months) with an annual interest rate; 2. Loans from six months to one year (including 1 year) with an annual interest rate; 3. Loans for 1 to 3 years (including 3 years) with an annual interest rate; 4. Loans of 3 to 5 years (including 5 years) with an annual interest rate; 5. For loans of more than five years, the annual interest rate is.

The 360 IOU platform is formal and can be carried out from the following 5 aspects**:

1) The affiliated institution is safe and reliable.

360 IOU is a credit technology service brand of Qifu Technology, which has been approved by the China Banking Regulatory Commission (CBRC) and holds a formal financial license and is subject to the supervision of the CBRC. Relying on 360 big data, users are granted different consumption limits based on comprehensive consideration of credit risk, payment habits, consumption conditions, etc.

2) The credit management mechanism is sound.

The 360 IOU has been connected to the credit of the central bank, and the loan will be opened to inquire about the credit, and the query record in the name of the loan approval will be left in the user's personal credit report, and the relevant borrowing and repayment records will also be reflected in the credit report (if the repayment is overdue, it will also leave a bad record on the personal credit report, which will affect the personal credit of the lead reputation).

3) Funds** are clear and traceable.

The investors of 360 IOUs are matching banks and formal licensed financial institutions, and the funds are safe, including Bank of Ningbo, Everbright Bank, Bank of Communications, Jinshang Bank, China CITIC Bank, Minsheng Bank, Bank of Nanjing, Bank of China Consumer Finance, etc.

4) The interest expense charged is reasonable.

The annualized comprehensive interest rate (simple interest) of 360 IOUs starts (the actual interest rate is subject to the approval result of the system), that is, the daily fee of 1,000 yuan borrowing 12 periods starts from 1 gross 2. It can be seen that its interest rate is at a normal level, and there is no illegal charging of high interest or additional fees.

5) Only those who meet the conditions can borrow money.

To apply for a loan on a 360 IOU, there is a certain application threshold, and the conditions are as follows:

1. At least 18 years old and no more than 55 years old;

2. Hold a valid Chinese resident identity document;

3. Refuse to provide consumer installment loans to college students when temporarily renting the section.