360 Finance, the brand of 360 Company, is the first personal consumption credit product, so 360 lending is a formal platform.
360 IOUs will be authorized according to personal credit status, up to 200,000 yuan. However, many people still don't know the interest rate of 360 IOUs. According to the official interest rate of 360 IOUs, the minimum daily interest rate is 0.027%. The 360 IOU interest rate is automatically evaluated by the system according to the information filled in by the borrower. After the system evaluation, the loan interest rate will be displayed on the loan page, and the borrower cannot calculate it by himself.
360 small and micro loans are mainly loan products launched by 360 Finance for small and micro enterprises:
Mainly divided into e-commerce loans, corporate loans, invoice loans and so on. The maximum loan amount can reach 300,000 yuan.
Among them, as long as e-commerce loans are provided to e-commerce businesses such as Taobao and JD.COM, users can apply for loans as long as their stores are in good operating condition.
Corporate loans are mainly for self-employed, small and micro business owners and corporate executives. Users can apply for loans with their business licenses. Invoice loan means that enterprises can apply for loans on the basis of billing information.
360 New Agricultural Loan is a loan specially provided for farmers or enterprises engaged in agricultural development. As long as the user's loan is to develop agriculture, as long as the user is between 20 and 55 years old and has good credit, he can apply for a loan of up to 200,000 yuan in 360 New Agricultural Loan.
360 installment payment is a kind of installment shopping product, and its main source is Suning.cn. Users can shop directly in the 360 installment APP, and then return the payable monthly according to the regulations, so that they can make a down payment of 0.
What is a 360 loan?
360 loan is a loan product launched by 360 finance company, but 360 loan itself does not lend to the outside world. 360 loans will provide navigation services for those who need loans, and it is the third-party financial institutions that really lend money to loan applicants.
To apply for a loan on the 360 loan platform, you need to provide the following information:
(1) Valid identification of the loan applicant.
(2) The loan applicant must be 18 years old.
(3) proof of income of the loan applicant. Whether it is a bank statement or other financial proof, it is ok. It must be proved that the loan applicant has the ability to repay the principal and interest on schedule.
(4) The personal credit information of the loan applicant is good and there is no bad credit record.
(5) Provide the loan applicant's own bank card and bound mobile phone number, and the provided mobile phone number needs real-name authentication.
In addition to the above materials, in order to improve the probability of applying for a loan, you can also add some other supporting materials. The more detailed the verification materials provided, the higher the probability of loan approval.
When you borrow money online, please remember that you need to pay any fees before the loan arrives. Under any circumstances, don't remit money, transfer money or pay any fees to others first to avoid being cheated.
Don't be afraid of any threats from swindlers. Because the other party is suspected, the contract signed with the liar has no legal effect. There is no such thing as a breach of contract. The liar said that he would come to you, and the threat of demanding compensation for liquidated damages is even more nonsense.
Is the 360 loan platform formal?
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!
This concludes the introduction of 360 corporate loans and 360 corporate loans. I wonder if you have found the information you need?