360 IOU is a consumer credit brand of 360 finance, which focuses on providing different forms of loan services for individuals and small and micro businesses. With the advantages of technology and service, as well as the characteristics of large amount, fast lending and simple operation, it has won the trust of users and is a domestic safe lending platform.
The advantages of 360 IOU are mainly reflected in the large number and high activity of users, massive user credit data and behavior data, advanced Internet technology, convenient experience and professional quality team.
360 group has more than 500 million PC users and more than 700 million smartphone users, and the user utilization rate is high. According to the third-party data statistics, 360 ranked first in the mobile security products, PC browser according to the length of user use and Android mobile application market operation.
As an Internet security company, 360 takes data-driven security as its core competence; in the field of big data, it has massive user credit data and behavior data, outstanding talent reserve and technology accumulation, and has been recognized by international evaluation institutions for many times.
360 IOU also actively combines advanced face recognition technology with big data approval model by means of internet modern information technology to improve user experience. No need for customers to carry out any tedious operation, 5 seconds to complete the face shooting and comparison process, the background combined with face scoring application, on the basis of other credit means, lock the customer's real identity, can bring more efficient experience for customers.
Ants borrowed from Alipay is a loan service, the current application threshold is sesame seeds in more than 600. According to different scores, the amount of loans that users can apply for ranges from 1000 to 300000 yuan. The longest term of loan repayment is 12 months, and the daily interest rate of loan is 0.045%.
In fact, compared with the bank loan interest rate, the ant loan interest rate is not low. But the bank loan threshold is high and the examination and approval is strict. I believe most people have a deep understanding. The ant loan is simple and fast, and the loan speed is fast, so it is more suitable for borrowers in urgent need of money.
In addition, ants rely on Ali's small loan and Alipay, which has a higher brand reputation and is naturally more trusted by borrowers. Moreover, the approval of credit investigation is more relaxed than that of banks. Borrowers who cannot obtain loans through banking channels can apply for ant loan.
360 IOU and ant IOU are two different loan platforms. Which one to choose depends on the user's own needs.