360 IOUs sent me a text message today saying that I would borrow 10000 interest-free within four days, and then I tried to borrow 10000.

If 10,000 yuan is calculated as 13,000 yuan, there are 365 days in a year, and the interest is 1095. If calculated at 14 thousand yuan, the interest is 1460.

If the annual income exceeds 1 100, it will be higher than 3000 and lower than 4000. At present, all platforms 3000 should be the lowest, which is also related to human credit. If the credit is high, it will be 4000, and the annual interest rate above 1 100 should be around 3.5.

The interest rate of 360 IOUs is not high. The only thing is that when borrowing money, you must choose to pay it back with it or repay it in installments. If you choose installment, you can't repay in advance. This is not good, but if you are serious, there will be no such problem.