360 loans can't be completely deceptive, but loans need to be cautious. In fact, 360 is a regular website, it won't, won't deceive people, and it may be risky, but it mainly depends on the specific situation of both borrowers and borrowers, as long as it is repaid on time, it will be fine. However, you can't get a 360 loan if you want. First of all, you must have a good letter of credit, and you must ensure that you have the repayment ability before you can apply for a loan.

360 loan refers to the buried loan recommended by 360 finance company. Because 360 financial companies themselves do not have the qualification to lend, 360 cooperates with other loan platforms.

360 helps the loan platform to obtain traffic, and the loan platform obtains accurate customers with loan needs from the 360 platform.

Therefore, the 360 loan itself is not a loan product, but more is to provide loan navigation services for users. The user applies for a loan at 360, and the loan service is provided by the lending institution. If users have any questions, they need to contact the lending institution directly.

1.360 IOU is the first loan product launched by 360 Finance. As one of the largest Internet security service providers in China, Qihoo 360 Group is making great efforts in Internet finance to build a new empire of Internet finance. Overall evaluation of customer credit based on 360 big data, and providing instant cash loans on this basis; The advantages of 2.360 IOUs focus on the large number of users, high activity, massive user credit data and behavior data, advanced Internet technology, convenient experience and professional and high-quality team;

3.360 Group has more than 500 million PC users and more than 700 million smartphone users, with high user usage rate. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers, and Android mobile phone application market operations. Large platform enterprises can make users feel more at ease! How about the security of 360 IOUs?

360 IOUs has taken multiple measures in safety and risk prevention and control:

1. Establish users' credit portraits, and 360 IOUs establish a credit system based on sufficient social network data, which will sort out each user's credit behavior portraits and grade users' credit lines.

2.360 IOUs establish a social behavior model, and 360 IOUs establish a credit score calculation system based on the user's social circle, taking the user's personal connections as a reference for credit rating. And will also establish a white list and blacklist system. Open a green channel for high-quality credit users, on the other hand, provide blacklisted users' queries to prevent users from applying repeatedly, applying for non-users and false information. , to prevent cliques. 3. Owner's leading security technology, relying on 360' s leading cloud security system, 360 borrows a number of technologies to protect users' data security, privacy security and account security. Professional and high-quality team, 360 has a leading domestic high-level security technology team and a risk control team from large domestic first-line financial institutions.

However, life is beautiful, and loans need to be cautious!

Is the 360 loan reliable?

It is quite reliable to apply for a loan on Rong 360, because the products on Rong 360 are strictly audited and there will be no deception. Moreover, it integrates 360' s unique intelligent search and matching system, which can recommend the most suitable loan products and choose the best loan for users.

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

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

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

3. Personal credit information is good and there is no record of bad credit information.

1 Introduction to Rong 360: Rong 360 (Beijing Rong Century Information Technology Co., Ltd.) is a typical format of "Internet finance". It is a new online financial service company, which uses big data, search and other technologies to visually present financial products of hundreds of banks to users. Rong 360, founded on 20 1 1, is an intelligent product selection platform for mobile finance, providing search and comparison services and application services for financial products such as loans, credit cards and wealth management. 20 15, StarVC invested in 360 yuan. 2017 165438+1October16, Jianpu Technology, a subsidiary of Rong360, was listed on the New York Stock Exchange with the stock code "JT".

2. Products and services: The model of Rong 360 is "search matching recommendation". Login to the website, Rong 360 provides a form for users to filter the real situation of users. After viewing the basic financial situation, users can enter the purpose, amount and term of the loan, that is, they can find out which financial institutions provide such loans and the loan conditions. In addition, Rong 360 provides the function of shopping around, making the whole loan demand and conditions clear at a glance. Users can choose which financial institution's loan manager to contact online according to their preferences. Rong 360 started from the search and recommendation of consumer loans such as commercial loans, mortgages and car loans, and quickly entered the credit card field. Users who need to bid can search and compare thousands of credit cards in one stop, fill in the information directly and apply online. Financial search and price comparison services enable ordinary people to obtain more comprehensive financial product information. "Internet wealth management, bank wealth management and online loan wealth management have not yet made a platform for information collection and comparison. 360 financial search just makes up for this market space." Ye Daqing said. After some loan users submit their applications online, Rong 360 will invite them to the offline loan convenience store outlets to collect paper materials after judging the authenticity of their intentions, so users don't have to go door to door. The loan applicant does not need to pay extra fees, and Rong 360 charges a certain percentage of service fees from financial institutions.

Is the 360 loan reliable? Is the 360 loan true and reliable?

Is the 360 loan reliable? Is the 360 loan true and reliable?

360 Loan is a loan product launched by 360 Finance. At present, 360 loans mainly include three loan products: 360 IOUs, 360 installments and 360 small and micro loans. Users can apply for different types of loans according to their different needs.

Speaking of loans, users are naturally very concerned about the reliability of the platform, so is the 360 loan reliable?

360 Finance, like Xiaoman Finance, is a financial platform owned by large enterprises, except that 360 Finance belongs to 360 and Xiaoman Finance belongs to Baidu.

Therefore, 360 finance is still relatively reliable from the background. After all, a strong background can naturally improve users' trust in 360 loans.

From the perspective of loan products, the fees and product designs of the three loan products under 360 Finance are within the scope stipulated by the state, so on the whole, 360 loans are still relatively reliable loans.

Although the 360 loan background is good and all aspects are in line with the regulations, users still need to know clearly when applying for loans to avoid applying for loans with unreasonable fees.

In case of unreasonable charges, users can also report directly to the CBRC to safeguard their reasonable rights and interests.

The three loan products with 360 financing term are different. 360 IOUs are mainly used to provide users with credit loans, similar to loans from Baidu Money and Alipay.

Users can apply for a credit loan of up to 300,000 yuan in 360 IOUs according to their credit situation, and the loan interest rate is charged by the day, generally around 0.05%.

360 small and micro loans are loan products provided by 360 Finance for small and micro enterprises. Generally, loans are mainly provided for enterprise legal persons. E-commerce sellers can also apply for 360 small and micro loans with a maximum loan amount of 200,000 yuan. Users can apply for loans without providing mortgage guarantee.

360 staging is a consumer staging product launched by 360 Finance. Users can shop in installments directly in the 360 installment app, or they can enter the 360 mall for installment shopping in the 360 loan.

This is the end of the introduction about the authenticity of financial 360 loans and whether financial 360 loans are formal platforms. I wonder if you have found the information you need?