Since a few years ago, various loan platforms have appeared on the Internet. Although some are under the banner of low-interest and quick loans, they are actually not compliant online lending platforms. Once users borrow money, they will find that the interest on the platform is quite high. So, is 360 formal? Friends who are interested in this question can continue reading.
Is it formal to melt 360?
Rong 360 is a formal mobile financial platform. It should be noted that Rong 360 is not an online lending platform, but a diversion platform dedicated to providing online lending products. Simply put, the loan products on it are not launched by themselves, but provided by financial institutions such as banks and loan companies. However, these institutions are generally approved by the China Banking Regulatory Commission and the China Insurance Regulatory Commission, with formal financial photos, and are all nationally recognized financial institutions. Therefore, Rong 360 is a formal financial platform, and friends don't have to worry about borrowing.
Ok, this is the answer about whether Rong 360 is formal. I hope I can help my friends who encounter such problems.
Is the 360 loan reliable and legal?
Is the 360 loan reliable?
Nowadays, when many people encounter financial difficulties and need short-term turnover, they will choose loans to solve their urgent needs, thus avoiding the embarrassment of borrowing money from others. Therefore, with the market, there are naturally many lending platforms, and Rong 360 is also a platform born in this environment, but Rong 360 is essentially different from other lending platforms.
Rong 360 is not a pure loan platform, but actually a comprehensive search platform, just like a loan supermarket. Other loan platforms can settle in Rong 360, and then users can find their own loans through Rong 360 platform. At present, Rong 360 platform has settled in a number of loan platforms, including some bank loans.
Due to the platform nature of Rong360, whether Rong360 is reliable depends on whether the platform of the user's final loan is reliable. If the user borrows from the bank through the 360 platform, it is naturally reliable.
There are many loan platforms where the Rong 360 platform is located, and it is inevitable that there will be unreliable platforms. Therefore, when borrowing money, users must first consult the fees of the loan platform, and do not pay any fees to any platform before the loan is successful.
Is it legal to finance 360 loans?
Rong 360 itself is definitely legal and compliant. In addition, according to China's current regulations, any loan platform is an illegal loan product as long as the comprehensive loan interest rate exceeds 36%. Therefore, users can also evaluate whether the loan of Rong 360 is legal according to this standard when giving it. Rong 360 is a comprehensive loan platform, many loans are not their own loan products, and users of specific loan products can evaluate them themselves.
If the user is a vigilant user and is uneasy about lending on the private lending platform, it is better to choose bank loans for loans, so as to avoid being afraid and too entangled when lending.
In fact, if any loan product is afraid of encountering a pit, it is necessary to read the loan contract carefully before or during the loan process to understand the charges of any item. Don't muddle through the loan, and you need to bear some high expenses later.
Is the 360 loan reliable? Is it a lie?
Rong 360 is a real and reliable investment platform. Rong 360 belongs to P2P platform, and some banks, small loans and guarantee companies advertise on it. When you fill in the information, a salesman will call you and ask you to prepare the information for door-to-door handling. As long as you don't pay the upfront fee, you won't be cheated.
Extended data:
(1) Rong 360 (Beijing Rong Century Information Technology Co., Ltd.), a typical format of "Internet finance", is a new type of online financial service company, which uses big data, search and other technologies to visually present financial products of hundreds of banks to users.
(2) Rong 360, founded on 20 1 1, is an intelligent product selection platform for mobile finance, providing search and price comparison and application services for financial products such as loans, credit cards and wealth management.
(3) In 2065438+05, StarVC invested in 360 yuan. [5] 2065438+2007 165438+1October16, Jianpu Technology [6] under Rong360 was officially listed on the NYSE with the stock code "JT".