360 Finance, Inc. (NASDAQ: QFIN) (â360 Financeâ or the âCompanyâ) is a leading digital consumer finance platform and the finance partner of the 360 Group connecting over one billion accumulated mobile devices. The Company provides tailored online consumer finance products to prime, underserved borrowers funded primarily by its funding partners. The Companyâs proprietary technology platform enables a unique user experience supported by resolute risk management. When coupled with its partnership with 360 Group, the Companyâs technology translates to a meaningful borrower acquisition, borrower retention and funding advantage, supporting the rapid growth and scaling of its business. 360 Financeâs core product is an affordable, unsecured, digital line of credit which borrowers typically utilize for consumption spending and often as a supplement to credit card debt. To apply, potential borrowers complete a simple online application and, for approximately 95% of recent credit applications, a fully automated credit decision is rendered. Approved borrowers are provided access to funds typically within five minutes and may select the loan structure best suited to their consumption needs. Source
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