Is Rong360 loan reliable? Is it a scam?

Rong360 is a real and reliable investment platform. Rong360 is a P2P platform with banks, small loans, and guarantees. The company advertises on it. You fill in the information, and a salesperson will call you and ask you to prepare the information and come to your door. As long as you don't pay the upfront fee, you won't be deceived.

Extended information:

(1) Rong360 (Beijing Rongshi Information Technology Co., Ltd.), a typical "Internet + Finance" business format, is a new online financial service company that utilizes large-scale Data, search and other technologies allow hundreds of banks' financial products to be presented intuitively in front of users.

(2) Rong360, founded in 2011, is a mobile financial intelligent selection platform that provides search, price comparison and application services for financial products such as loans, credit cards, and wealth management.

(3) In 2015? StarVC invested in Financing 360. ?[5]?On November 16, 2017, Jianpu Technology?[6]?, a subsidiary of Rong360, was officially listed on the New York Stock Exchange with the stock code "JT". How about Rong360? What are its pros and cons?

In recent times, there has been a rise of Rong360. What are its specific pros and cons? We all know that it is a financial search platform (original intention) to solve the problem of information asymmetry between lenders (users) and banks (customers). So what about Rong360? If I love investing, let me give you a brief introduction.

1. The company background of Rong360

Rong360 ( ), Beijing Rongqiniu Information Technology Co., Ltd., was established in October 2011 and went public on November 16, 2017 , is China’s leading financial vertical search platform. Rong360 is committed to providing search, recommendation and application services for financial products for individual consumers and micro-enterprises. Its business scope covers loans, credit cards and financial management.

2. Rong360 Loans

Rong360’s loan business covers personal consumption loans, business loans, housing loans, and car loans. The platform uses big data technology to solve the problem of information asymmetry in the financing and loan process. Through Rong360's unique intelligent matching system, users can compare tens of thousands of loan products in one stop, screen products and submit applications directly. For banks, Rong360 is a marketing channel to acquire high-quality customers in batches.

3. Are Rong360 loans reliable?

Rong360 is committed to providing the most reliable, convenient and cost-effective loan recommendation results for the majority of small and medium-sized enterprises and individual users for free. The financial products on the platform come from state-recognized financial institutions including state-owned banks, joint-stock banks, foreign banks, city banks, small loan companies, etc. Users can directly apply for the best loan (low interest, efficient, worry-free) through Rong360's unique intelligent search and matching system in one stop.

4. How to get a loan from Rong360

1. Fill out the loan application;

2. Recommend the corresponding credit customer service manager through the platform;

3. The account manager and the customer get to know each other one-on-one;

4. Handle relevant loan procedures.

5. Rong360’s four major profit models

1. Providing lists to banks is not profitable.

2. The effect of loan customer payment is poor.

3. Advertising business, Ye Daqing previously stated that it is not the main business.

4. Pricing?

The above is my brief explanation. I believe everyone has a partial understanding of Rong360. You can also go to the Ai Investment website to find more precise information. Are Rong360 loans reliable?

With the rise of the online loan industry, more and more companies have joined the ranks, and there are also many reported companies that have run away, which is really embarrassing for users. So, as a large loan platform, are "Rong360" loans reliable? Rong360 is committed to providing the most reliable, convenient and cost-effective loan introduction results for free to the majority of small and medium-sized enterprises and individual users. The financial products on the platform come from state-recognized financial institutions including state-owned banks, joint-stock banks, foreign banks, city banks, small loan companies, etc. Users can directly apply for the best loan (low interest, efficient, worry-free) through Rong360's unique intelligent search and matching system in one stop.

How to choose a reasonable loan? 1. Repayment methods: There are four main repayment methods generally provided by most banks: equal principal and interest repayment, equal principal repayment, one-time principal and interest repayment, and scheduled interest repayment. 2. Fees and costs: In addition to interest, general loans also charge various fees such as management fees and account opening fees. Be sure to carefully understand what fees there are. It’s important to note that the bank’s monthly management fee is generally based on your loan amount. 3. Loan time: Different banks have different loan speeds, and the difference may be one or two weeks. If you are in urgent need of money, you must choose carefully. 4. Bank specific requirements: Different banks have very different qualification requirements for applicants. Is Rong360 loan formal? Is the borrowing interest high?

Because the loan threshold is low, online loans are quickly chosen by many people. When there is a short-term need for small funds, online loans can be taken. Among the many online loan platforms, you need to find a legal and formal borrowing platform. Is Rong360 loan formal? Is the borrowing interest high?

Rong 360 is a Chinese financial company listed on the New York Stock Exchange. Rong 360 does not provide loans. It acts as a loan intermediary, a loan supermarket, and recommends loan platforms to users. Let’s learn about Rong 360 from various aspects. 360.

1. Platform background. The full name of Rong360 is Beijing Rongshi Information Technology Co., Ltd., which was established in 2011. It provides search and price comparison application services for financial products such as loans, credit cards, and wealth management. Rong360 Its subsidiary Jian Simple Technology was listed on the New York Stock Exchange in the United States on November 16, 2017. From a background perspective, it has certain economic strength and is a listed company.

2. From the service point of view, Rong360 itself does not have loans, but it will recommend loan products to users, which is equivalent to an application supermarket. The loan products recommended by Rong360 require users to judge whether they are legal or not. Generally, Generally speaking, formal loans only charge loan interest and do not incur handling fees, management fees and other fees.

From the above points, although Rong360 is a formal company, the loans recommended may incur high fees. When there is a need for small amounts of funds, try to choose a formal platform, such as Duxiaoman Youqianhua, Jiebei, Weilidai, Jingdong Gold Bar and other platforms.

Is the interest rate on Rong360 loans high?

High loan interest rates have basically become the hallmark of online loans. The current maximum daily interest rate for regular online loans is basically maintained at 0.05%. The platform will reduce loan interest based on borrowing qualifications.

If you need money urgently, you can find a loan platform with a high reputation and strong economic strength, such as Youqianhua launched by Du Xiaoman Financial, Jiebei launched by Ant Financial, and JD.com launched by JD Financial Gold bars etc.