What is the 360 loan?
The 360 loan is positioned on the consumer credit platform of service financial institutions. Based on 360 big data, the customer credit is evaluated, and on this basis, the cash loan is provided immediately. 360 Finance, a brand of Qihoo 360, has already participated in the Jinshang Consumer Finance Company. The consumer credit product “360 Loan” will be launched in the fall, and the business preparation work has entered the sprint stage. In terms of product development, the “360 loan slip” has entered the test phase before going online, and it is expected that the first batch of whitelisted users will be launched in early September. In terms of strategic cooperation, in addition to the Shanxi consumer finance company, the 360 loan has been connected with a number of financial institutions, and will carry out joint lending business in the future.
360 loan notes
Does 360 have any official website? What is the URL?
The 360 loan was launched in September 2016, and you can now view the 360 loan profile on the 360 Financial website. 360 financial official website: http://jinrong.360.cn.
360 borrowing how to borrow? 360 borrowing process
Log in to the 360 loan bar and click Apply Now. The process is only 4 steps: face recognition - real name information - add payment card - common contacts, automatically approve after submitting the application.
What is the 360 loan clause used for? What business can I offer?
360 Loan is a consumer loan product recently launched by 360 Finance, which provides individuals withCredit loanIs said to be available immediately, andLoan amountLarge, fast, easy to operate. At the same time, the 360 loan is open to financial institutions, and the cooperative institutions can expand their personal credit business through “360 loan slips” to jointly provide users with cash consumption credit services.
Is the 360 loan reliable?
In addition to its own professional financial team and technical team, “360 Loan” will use 360 credit big data and face recognition to conduct comprehensive user credit evaluation. In addition, the 360 loan will work closely with Jinshang Consumer Finance Co., Ltd. in the fields of data, credit reporting, and risk control to provide users with safe consumer credit services.
360 debit limit
The 360 loan will combine the advanced face recognition technology with the big data approval model by means of the Internet modern information technology, and then collect information according to the user's authorization, integrate internal and external data and the user's bank's credit information, and automatically analyze it. The user's loanable amount, currently supported by a range of 1,000-200,000. Calculated on a daily basis, the annualized interest rate is about 8%-24%, lower than the credit card.
What is the interest on the 360 loan?In the amount of the loan, the 360 loan is borrowed from 500 yuan, and the maximum amount is 200,000 yuan. The daily interest rate is 0.03%, which is similar to Tencent's micro-loan and ant borrowing. 360 borrowings do not need to submit complex personal materials and financial certificates, from review to lending the fastest
360 credit card on the letter?360 credit card on the credit card 360 will be based on the user authorization, the conduct of the bank for credit inquiry, combined with 360 internal and external data for comprehensive evaluation, to give the loan amount. In theory, the 360 loan is to collect credit, but it does not rule out that it relies on its own big data system to issue loan quotas. 360 loan
Can the 360 loan be withdrawn?360 Loan is the first loan product launched by 360 Finance. Based on 360 big data, it evaluates the customer's credit as a whole, and on this basis, it provides instant cash payment. The borrowing of the 360 loan can be withdrawn, but the borrowing funds can only be used for personal daily consumption. 360 borrowings are not borrowed
What is the reason for the 360 loan review failed?The 360 debit will comprehensively evaluate the borrower's credit history and back-end big data, so as to issue quotas, and ask the friends to cherish their credit history. If the 360 loan review fails, there is usually a problem of credit impact. 360 reasons for the failure of the loan review: 1. The credit card has been three times in a row.
What if the 360 debit is rejected? What is the success rate of 360 loan?360 reasons for the rejection of the loan review: 1. The borrower's personal credit information is not very good, there are more serious loan overdue records; 2, almost no use of electronic payment habits, 360 borrowing can not find the relevant data; 3, online shopping The record is not very good, there are bad records that are complained by others.
What if the 360 loan is not going to happen?The 360 loan will not be dunned by the door, and the case will be prosecuted if the circumstances are serious. A 360-day loan will result in a one-day penalty, and the 360-day interest rate is 0.03%. From the date of overdue, the 360 debit will be charged an additional 50% of the agreed interest rate for the overdue principal, for overdue interest.