1. Good credit record: When banks or financial institutions review personal credit loan applications, they will check personal credit records, including personal repayment records and overdue situations. Maintaining a good credit record can increase the chances of getting a loan.

2. Stable sources of income: Banks or financial institutions usually require borrowers to have stable sources of income, such as fixed jobs, sufficient operating income or stable rental income. This can prove that the borrower has the ability to repay the loan on time.

3. Adequate repayment ability: Lending institutions will evaluate the borrower's repayment ability. The balance between the borrower's monthly income and monthly expenditure is helpful to evaluate his repayment ability. If the monthly income is stable enough to pay the monthly expenses, the borrower's repayment ability will be recognized.

4. Personal assets: Banks or financial institutions may consider the personal assets of borrowers, including real estate and vehicles. Having certain personal assets can improve the success rate of loan application.

5. Perfect data preparation: submitting complete and accurate documents and data required for loan application is the prerequisite for obtaining loan approval. Usually need to provide identification, proof of income, bank flow and other related information.

If your loan application is rejected, it is recommended to check your credit status through the "Xiaoqi Credit Check" first. If your credit is not good, it is suggested to wait for a period of time, and then try to apply for a loan after the credit risk score is lowered and the stain is eliminated, so the chances of passing will be higher.