The “360 debits” and “minority” are now more popular online borrowing platforms in the market. The comparison and choice between them is a concern for many borrowers。

What's a nice 360

Looking at the analysis of the loan lines, the 360 loans and the small amount of the loan lines are in the range of 5-200,000. As the loan lines of the two are close, they should be very different in terms of the pass rate。

Let's look at the loan terms. The conditions for applications to be submitted are: continental users between the ages of 18 and 55; use of personal debit cards to apply for loans, repayments; possession of second-generation identity cards for continental residents; and non-school students. Similarly, the conditions for the 360 loan include: persons aged 18-55 and persons holding a mainland resident's card; but it is worth noting that the 360 loan requires more stringent requirements for the mobile phone number of the user applying for the loan, which must be a real-name mobile phone number, not a virtual section or a subsidiary card; and not a student at school. Then, from the point of view of the terms of the loan, it may be relatively easy to obtain approval at a small scale。

Let us then carefully compare their respective detailed loan terms. The 360 loans, which belong to the 360 financial institutions, have relatively relaxed terms of repayment, and can apply for loans if they reach the age of 18, have a stable source of income and have good credit. Moreover, the 360 debits do not require any collateral or guarantor, and the process is simple and fast. A small-scale loan platform for small-scale rice finance, with more stringent terms of credit, requires a 22-year-old applicant to have a stable source of income and a good credit record. In addition, it requires the applicant to provide a certain amount of collateral or guarantor to safeguard the security of the loan。