Is the 360 loan really reliable? Is the interest too high?

360 IOUs are unreliable and the interest is too high.

The rise of online lending has indeed brought a lot of convenience to everyone, and it has also saved us a lot of embarrassment of asking for help. Therefore, online lending has become the new favorite of some young consumers, but is online lending really good? Today, we will talk about 360 loans, one of the more popular online lending platforms. Is the 360 loan reliable? See how he introduces himself and how users evaluate him.

Explanation 360 IOUs official website introduced himself and summarized what he said about himself.

The owner behind the 360 loan is 360 Finance, which can provide small and micro enterprises and individuals with a mortgage-free financial service platform with fast review, high quota, low interest and simple application process. At first glance, it is true, and the loan review takes 5 minutes at the earliest.

In other words, if you apply for a loan on it, you can basically get the money you need the same day. Up to 200,000 yuan 1000 yuan can be used 12 months. The daily fee is as low as 27 cents. The application process is not difficult. But please draw the key points with a pen: the specific results will be subject to the approval!

Customers who have used 360 IOUs evaluate 360 IOUs like this:

1, users who think the interest rate is high say so. According to the initial click, at present, the highest amount in the display interface of 360 IOUs is 200,000 yuan, and its homepage interface introduces "1 daily use 1 10,000 yuan, with a minimum of 3 cents". If it's the lowest, it's 360 days a year, and its annualized interest is 9.255.

2. The user who needs to pay all the interest when applying for prepayment said that he borrowed a loan of 10000 yuan at 360, with a monthly interest of 1.8%, that is, 180 * 3 = 540 yuan, so 540/90 days =6. 1 yuan/.

3.360 The user of IOUs complains that the service subject is not clear. After inquiry, they said that 360 IOUs belonged to Fuzhou 360 Small Loan Company, and then they said that 360 IOUs belonged to Shanghai Qiyu Technology Service Company, and a company had two service subjects.

4, 360 IOUs users signed a wonderful loan contract, the loan contract does not have the loan amount and agreed interest, but the electronic receipt shows the loan amount and interest. Does this contract have legal effect?

5. Users who were randomly pushed to other lending apps by 360 borrowings said this. 360 IOUs, the loan turnover is insufficient, and the system shows that the user's comprehensive score is insufficient, so the loan cannot be released temporarily. Later, he directly pushed me to borrow money from Anyihua and checked the app with super high interest rate. It's a little tempting for me to pick up a loan shark. Did you charge the intermediate fee for the 360 loan?

6. According to the user who borrowed notes from 360 to collect explosive address books, there is no lower limit for the collection of explosive address books. Shameless 360 and 20 have expired, and today 2 1 began to harass all kinds of private numbers! Say I still have the face to borrow money! I said money was tight, and that woman was firm! Silent, the collection of big platforms is really amazing!

7. The user who complained about 360 IOUs said this. There is no bill to pay for micro-spending, so it jumps directly to August, resulting in a very long borrowing date, and the interest rate is much higher than the interest rate published on the page.

I borrowed 4000 yuan with the change of 360 IOUs. Now I pay back the money in advance, but I don't have any money because I don't remember the money on the IOU. I just want to ask you how long it will take for this bill to enter the account.

Finally, tell everyone that we don't advocate consumption in advance, and any consumption should be within our own ability. However, the weather is unpredictable, and under special circumstances, more comparisons can be made to avoid stepping on the pit. From the perspective of user experience, I saw platforms such as Lending Bao, Xiaomi Finance, Youyouhua and Suning Finance. I didn't complain as much as 360 IOUs.

For any service platform, no matter how arrogant you are when introducing yourself, you lose your awe of users, and no matter how large the users of the network platform are, it will not be far away.