Is a 360 IOU reliable? Are 360 IOUs real? Is it reliable?

360 IOU is the first personal consumption credit product of 360 under the brand of 360 company, which provides a loan amount of up to 200,000 yuan according to the user's personal credit status. Users can enter the bottom of the main interface of 360 mobile phone guard to the peace of mind service, find the IOU entrance, the whole process as long as the preparation of mobile phone, bank card, ID card, face authentication, no cumbersome property or work certificate, according to the system prompts, the fastest 1 minute can review the loan. However, the premise of the loan is that the applicant is required to be between the ages of 18 and 55, and foreigners from Hong Kong, Macao, Taiwan and foreigners are not allowed to apply for 360 IOUs.

The applicant has a good personal credit status, has no serious bad loan records in the past five years, and is not a member of the court's list of dishonest persons. and have a stable job and income, and have the ability to repay the principal and interest of the loan on time, it is possible to make the payment.

Extended information: 360 IOU is a loan product pushed out by 360 Finance, according to the official introduction of 360, 360 IOU will be credited, so when you apply for a loan in 360 IOU, you must repay the loan on time in accordance with the provisions of the platform. After applying for a loan on a 360 IOU, the user must also repay the loan on time according to the provisions of the contract, and once it is overdue, it will also affect the user's personal credit.

If there is a late date, the borrower will pay the loan penalty interest on a daily basis, which is much higher than the loan interest. When the borrower applies for a loan on a 360 IOU, the platform will evaluate the user's rating, and once the user is overdue, the borrower's rating will be downgraded and will be directly blacklisted.

360 IOUs.

In fact, it is the anti-virus king Qihoo 360

The online loan platform launched mainly provides pure credit loans for everyone, 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 network security.

The platform under the giant, 360 IOU is still more reliable than the general platform.

Judging from the feedback of netizens, there is not a lot of negative information about 360 IOUs, and there is no information such as violent collection. From this point of view, 360 IOUs are still relatively formal.

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: Money to Spend

It was 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.

The background, the background of the network giant, and the background of the large listed company are more formal.

and the official website, and can be found through common channels. When applying for a loan, you don't need to pay intermediary fees, certification fees, handling fees, etc.

3. What is the user's reputation? If you see a lot of negative news about the platform online, or you see a lot of bad reviews in the app store reviews, then there are doubts about the legitimacy of the platform.

The 360 IOU is real and 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 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.

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