360 online loans are legal. 360 online loan is a lending product of 360 Finance, which is mainly used to apply for cash loans and purchase goods in installments. The maximum loan amount can reach 200,000 yuan, the longest loan period can reach 12 months, and the lowest daily interest rate is 0.027%. In addition, the exclusive loan in the 360 online loan can be loaned up to 300,000, and the daily interest rate is the lowest 0.025%.