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360借条-现金借款信用贷款小额借钱平台

Immediate capital. That's the power this app hands users: financial agility, on demand.

Finance & Crypto ›

Key Figures

Downloads

12.5M+

User Rating

4.7/5

Total Ratings

48.1K

Publisher

Fuzhou Qifu Online Microcredit Co., Ltd

An Evaluation of Core Capabilities for Tech-Savvy Borrowers

360 Jietiao (Qifu Jietiao) - Key Features Analysis

Licensed and Trusted Platform

The app operates as a licensed financial institution under Qifu Technology, providing assurance of regulatory compliance and trustworthiness, as evidenced by its extensive user base exceeding 250 million.

Seamless Online Application

It enables users to complete the entire loan application process online without collateral, requiring only a mobile number and identity information. This tool features innovative face recognition for verification, eliminating the need for physical visits or paper documents.

Advanced Security Measures

This tool, developed by Qifu Technology, incorporates advanced network security technologies to protect user data and financial transactions, ensuring a secure borrowing experience.

High Loan Limits

The app provides access to substantial credit, with approved loan amounts potentially reaching up to 200,000 RMB.

Transparent Pricing

It offers clear and straightforward information on interest and fees, with daily interest rates starting from 0.12 RMB per 1,000 RMB borrowed over 12 installments, and an annualized simple interest rate beginning at 7.2%.

Flexible Repayment Options

Users can customize their repayment plans, choosing from various installment periods such as 3, 6, or 12 months, with premium users potentially accessing up to 24-month terms to suit their financial needs.

FAQ

Frequently Asked Questions

Everything you need to know about 360借条-现金借款信用贷款小额借钱平台

What is 360借条 and its current name?

360借条, renamed 奇富借条 (Qifu Jietiao) in 2024, is a credit technology service brand under Qifu Technology. It is a licensed institution selected by over 250 million users.

What is the maximum loan amount available through 360借条?

360借条 offers a maximum mobile loan amount of 200,000 RMB after approval. This significant credit limit provides substantial financial support for users.

What are the interest rates and fees for 360借条?

360借条 offers transparent interest rates. Borrowing 1,000 RMB for 12 installments costs 0.12 RMB daily interest, with an annualized simple interest rate starting from 7.2%. Final rates depend on approval.

What flexible repayment options does 360借条 offer?

360借条 provides flexible repayment methods. Users can choose 3, 6, or 12 installments based on their needs. A maximum of 24 installments is available only for premium users.

Does 360借条 offer any new user benefits or interest-free packages?

Yes, 360借条 offers a 'New User Interest-Free Package'. New users receive up to 65 RMB in interest waivers or the last installment interest-free for 12-period loans. The maximum interest-free period for new users is 30 days.

Is 360借条 a secure and reliable platform for loans?

Yes, 360借条 is secure and reliable. It is a product of Qifu Technology, utilizing advanced network security. It is also a NASDAQ and Hong Kong listed brand, confirming its trustworthiness.

How fast is the loan approval and disbursal process with 360借条?

360借条 offers a fast loan process. Funds can be disbursed in as fast as 5 minutes after approval. The entire application is designed for quick access to funds.

What are the application requirements and steps for a loan with 360借条?

The 360借条 application is fully online and collateral-free. It requires a mobile number, identity information, and 'face-swiping' recognition. Steps involve real-name certification, identity verification, and obtaining approval, avoiding paper documents.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

360借条-现金借款信用贷款小额借钱平台 - New users benefit from an "attractive 30-day interest-free period" and competitive "annualized interest rates starting from 7.2%," making borrowing more accessible. — New users benefit from an "attractive 30-day interest-free period" and competitive "annualized interest rates starting from 7.2%," making borrowing more accessible.
Exclusive Borrower Benefits

Description

360借条，2024年更名为奇富借条，现仍可使用。360借条是奇富科技旗下信贷科技服务品牌，超2.5亿用户选择的持牌机构。【产品特点】 1、手机贷款额度高：审批后最高额度20万元； 2、偿还贷款息费透明：借1千元分12期，日息费1毛2起，年化利率（单利）7.2%起（以审核为准）； 3、还款方式灵活：可根据实际需要灵活选择不同的还款方式（可分3期，6期，12期，最长24期仅优质用户可享）； 4、手机贷款更便捷：贷款全程线上申请，免抵押贷款；使用手机号+身份信息等材料即可申请；360借条创新“刷脸”识别，免上门，免纸质材料； 5、安全借贷：奇富科技旗下产品，具有先进的网络安全技术，为您借钱保驾护航； 6、新人免息礼包规则：活动开始日期2022年1月1日结束日期2025年12月31日参与对象：仅针对360借条新用户优惠详情：最高免息65元，借12期享最后一期免息注：具体券使用规则获取，请以app具体活动页面规则为准微信关注“360借条”公众号，第一时间获取360借条最新消息！无惧目标，360借条为你撑腰！ PS: 1.贷款额度、利率，放款时间以实际审核为准； 2.优惠活动仅免除部分利息，详细免息方式以APP内活动规则为准； 3.贷款有风险，借款需谨慎；请根据个人能力合理贷款，理性消费，避免逾期； 4.投资有风险，选择需谨慎。