360借条-现金借款信用贷款小额借钱平台 1.10.37

Product Overview

The 360 Borrow platform, under the leadership of Qifu Technology, provides innovative credit technology services. Formerly known as 360 Digits, the rebranding to Qifu Technology occurred in February 2023. With a mission to create wealth through advanced technology, Qifu Technology has established itself as a leading AI-driven credit service platform in China. It is committed to the principles of "Safety First, Technology Always," utilizing intelligent services, AI research and application, and safety technology to empower financial institutions. This approach enhances service quality and efficiency while contributing to the high-quality development of inclusive finance, allowing more individuals access to safe and convenient fintech services to facilitate common prosperity.

Product Features

• High Loan Limit: Upon approval, users can access a maximum loan amount of up to 200,000 RMB.
• Transparent Interest Rates: During promotional periods, borrowing 10,000 RMB for 12 installments incurs a daily interest fee starting from 0.8 RMB, with an annualized interest rate (simple interest) beginning at 4.8% (subject to actual approval rates post-promotion).
• Flexible Repayment Options: Users can select various repayment methods tailored to their needs (options include 3, 6, or 12 installments; premium users may extend up to 24 installments).
• Convenient Mobile Application: The loan application process is fully online with no collateral required. Users can apply using their phone number and identification information. The platform also features innovative facial recognition technology, eliminating the need for physical documentation or in-person visits.
• Secure Borrowing: Qifu Technology employs advanced cybersecurity measures for all transactions, ensuring a safe borrowing experience.
• New User Interest-Free Package: Promotion runs from January 1, 2022, to December 31, 2024, exclusively for new users of 360 Borrow. Participants may receive up to 65 RMB interest waiver with the last installment free when borrowed over 12 periods. Specific usage rules are detailed within the app's promotion page.
• Limited-time Annualized Interest Rate (Simple Interest) Start Rate of 4.8% for New Users: To qualify, new users must register and log in during the promotional period. Users must initiate their first loan within 14 days of receiving their credit limit to enjoy this rate. If not initiated within this timeframe, the promotional interest rate ceases and reverts to a standard rate of 7.2% to 24%. Loan funding will be sourced from Fuzhou Qifu Network Microloan Co., Ltd., with external financial institutions' rates being subject to actual approvals.

For updates on promotions and services, users can follow the "360 Borrow" official account on WeChat.

Important Notes:

• Loan limits, interest rates, and disbursement times are dependent on actual assessments.
• Promotional offers only waive a portion of interest; detailed conditions are available within the app.
• All loans involve risks; borrowers should exercise caution and understand their personal financial capability before taking loans.
• Investments carry risks; careful consideration is recommended.