According to the query on Lujian.com, 360 Loan is a formal and legal platform. The reasons are as follows:

1. Operating company qualifications: The operating company of 360 IOU is Fuzhou 360 Network Small Loan Co., Ltd. The company has an online small loan license and its licensed operations are compliant and legal.

2. Cooperative financial institutions: The financial institutions that 360 IOU cooperates with are all formally licensed financial institutions and can lend legally.

3. Credit report docking: After the 360 ??IOU loan is successful, the loan record will be connected to the credit report of the People's Bank of China. Only formal loans can be connected to the credit report.

4. Account information security: 360 IOU has advanced network technology and has passed the information security ISO27001 certification, so the security of personal information is strongly guaranteed.

5. Loan interest rate compliance: The maximum loan interest rate for 360 IOUs does not exceed 36%. The interest rate is not illegal, so 360 IOUs are legal.

6. Application fee: 360 IOU application is free, and there is no charge for failed application. After the loan is successfully borrowed, the loan interest will only start to be charged when the loan funds are successfully received.

7. Age limit: 360 IOU application age must be between 18 and 55 years old. Consumer installment loans are not provided to college students.

8. Company background: 360 IOU is a personal and small and micro credit platform under the listed company 360 Finance and is subject to strict supervision.

9. Technical guarantee: 360 IOU relies on the advanced Internet security technology and big data technology of 360 Group and is committed to improving the domestic personal credit system.

10. Risk control: 360 IOU creates a social media behavioral entity model, uses the user’s social circle as a credit rating reference, and creates an authorization management credit blacklist system to avoid repeated user applications, non-personal applications, and false information wait.