Is it easy to apply for a Rong360 loan?

Rong360 is an intelligent search platform focusing on the financial field. It provides companies and individuals with a professional online search and application service platform for loans, credit cards and financial management. Is it easy to apply for a loan at Rong360?

Is it easy to apply for a Rong360 loan?

If you can apply, you have applied on the official website of Rong360, and then the staff will call and inform you the next day: You need to prepare the information and go to the local business outlet to apply. You need to provide your ID card, proof of work income, and residence. Proof, a complete version of the central bank credit report, bank statements, etc. You must also fill in the name and contact information of immediate family members, friends and colleagues.

Rong360 loan application steps:

1. Open the software, click on the home page to find a loan

2. In the loan search interface, select office workers or self-employed , business owners, etc.

3. There are many loans here, choose one and click in

Is Rong360 loan reliable?

It is quite easy to apply for a loan on Rong360 Reliable, because the products on Rong360 have been strictly reviewed and will not be deceptive. Moreover, Rong360’s unique one-stop intelligent search and matching system can recommend the most suitable loan products for users and choose the best loan.

However, if you want to apply for a loan on Rong360, you still need to meet its application conditions:

1. The applicant’s age is between 22 and 60 years old;

2. Have a stable job and income, and have at least 6 months of bank salary slips;

3. Have a good personal credit record and no bad credit records.

1. Introduction to Rong360: Rong360 (Beijing Rongshi Information Technology Co., Ltd.), a typical "Internet finance" business, is a new online financial service company that uses big data, search and other technologies to allow hundreds of The financial products of various banks can be presented intuitively in front of users. Rong360, founded in 2011, is a mobile financial smart selection platform that provides search, price comparison and application services for financial products such as loans, credit cards, and wealth management. In 2015, StarVC invested in Rong360. On November 16, 2017, Jianpu Technology, a subsidiary of Rong360, was officially listed on the New York Stock Exchange with the stock code "JT".

2. Products and services: Rong360’s model is “search matching recommendation”. After logging in to the website, Rong360 provides users with a form to screen the user's real situation. After checking the basic financial situation, the user enters the loan purpose, amount, and term, and can query which financial institutions provide this kind of loan, and Loan terms. In addition, Rong360 provides the function of shopping around, making the entire loan needs and conditions clear at a glance. Users can choose which financial institution's loan manager to contact online based on their preferences. Rong360 started by searching and recommending consumer loans such as commercial loans and car loans, and quickly entered the credit card field. Users who need to apply can search and compare thousands of credit cards in one stop, directly fill in the information and apply online. Financial management search and price comparison services enable ordinary people to obtain more comprehensive information on financial management products. "Internet financial management, bank financial management, and online loan financial management do not yet have a platform specifically for information collection, query, and comparison. Rong360 Financial Management Search just makes up for this market space." Ye Daqing said. After some loan users submit their applications online, after Rong360 determines the authenticity of their intentions, they will be invited to offline loan convenience store outlets to collect paper information, so users no longer need to go from store to store. Loan applicants do not need to pay additional fees, and Rong360 charges a certain percentage of service fees from financial institutions.

How about Rong360? Is it easy to get a loan?

Rong360 is a large-scale mobile financial intelligent selection platform. The financial products on the Rong360 platform come from state-owned banks, joint-stock banks, foreign banks, city commercial banks, companies, guarantee companies, pawn shops and other nationally recognized banks. financial institutions.

Loans are not easy to obtain. It is basically difficult to apply for and it takes a long time.

Notes on online loans:

1. Choose well-known banks and financial institutions. Well-known banks are guaranteed and have relatively high credibility.

2. Don’t be fooled by “no interest”. There is no free lunch in the world, and loans without payment are risky.

3. You must read the terms of the contract clearly. Before signing the contract, you must read each item clearly and do not blindly agree or acquiesce.

Is there a high chance that 360 IOU will be approved?

360 IOUs are relatively easy to review. As long as the user provides true and detailed personal information, they can be reviewed quickly. If the borrower provides false information, not only will it not be reviewed quickly, but it will also be permanently blocked by 360 IOUs. If you refuse to borrow money, you will not be able to use other 360 Finance products smoothly in the future, and it will also have a certain impact on your personal credit.

360 IOU approval probability

360 IOU application information can be filled in according to the above rules. 360 IOU is based on 360’s independent third-party credit evaluation and management agency-360 Credit , objectively presents an individual’s credit status through technologies such as cloud computing, machine learning, and 360 big data. Based on comprehensive considerations such as credit risk, payment habits, consumption conditions, etc., users will be granted different consumption limits.

The application quota of 360 IOU is granted based on the consumption, repayment and other behaviors accumulated by the user on the platform. The various behaviors of the user on the platform are dynamic and changing, and the corresponding quota is also dynamic. When If the user behaves well within a period and complies with the quota increase policy, the corresponding quota may be increased.

The loan conditions for 360 IOUs are:

1. The borrower is over 18 years old and has full capacity for civil conduct;

2. The borrower’s credit Good, no bad records or illegal activities;

3. The borrower has a stable job and income and can repay the loan on time.

In fact, the loan threshold for 360 IOUs is low, and anyone with a stable job can apply. The maximum application amount is 200,000 yuan. The specific amount system will review the information submitted by the borrower. If the borrower can provide more proof of financial resources, a larger loan amount can be obtained.

Extended information:

360 IOU is a personal and small and micro credit platform under 360 Digital (formerly 360 Finance). It was launched in September 2016. It analyzes customer credit based on 360 big data. Conduct an evaluation and provide instant consumer loans based on this.

On July 7, 2021, the core product 360 IOU APP of the US-listed financial technology company 360 Digits (QFIN.US) was removed from multiple app stores. 360 Digital's pre-market decline expanded to 20%.