奇富借条：2.5亿用户信赖的官方持牌贷款平台

奇富借条 offers a maximum loan amount of 200,000 yuan. This highest approved amount is subject to individual credit assessment and eligibility within the app.

The annual interest rate (simple interest) for 奇富借条 loans starts from 7.2%. For example, borrowing 1,000 yuan for 12 months incurs a daily interest fee starting from 0.12 yuan.

奇富借条 provides flexible repayment options of 3, 6, or 12 periods. An extended term of up to 24 periods is available exclusively for qualifying "quality users" of the platform.

No, 奇富借条 offers unsecured loans, eliminating the need for collateral. The entire application, including identity and face recognition verification, is completed online without physical documents.

Yes, 奇富借条 provides a new user interest-free package. New users can receive up to 65 yuan in interest waiver or the last repayment period interest-free for 12-period loans. Some offers also include up to 30 days interest-free.

Yes, 奇富借条 is a secure credit tech service brand under Qifu Technology, a licensed institution with advanced network security. Qifu Technology is a publicly listed company on Nasdaq and Hong Kong (QFIN).

奇富借条 aims for fast loan disbursement. Funds can be released to the user's account in as little as 5 minutes after the loan application receives final approval.

奇富借条 was formerly known as 360借条 (360 Jietiao). The app launched in 2016, and its name officially changed to 奇富借条 in 2024.

The 24-month repayment option on 奇富借条 is exclusively for "quality users." Standard repayment terms available to all users include 3, 6, or 12 periods.

Users apply for a loan with 奇富借条 entirely online in three steps: real-name verification, identity verification, and obtaining the approved limit. This includes submitting identity information and performing face recognition.