1. The loan amount has not been paid off before. If you have borrowed money from Ping An I Loan before and haven't paid it off in full, your application may fail.

2. There is a bad record in credit investigation. Ping an I loan is linked to the central bank's credit information. If you have a bad record such as credit card (debit card) and loans overdue recently, your application will fail.

3. Do not meet the application conditions or there are errors or omissions in personal data. Read the I loan regulations carefully before applying to see if it meets the loan conditions. If you don't, you are likely to be rejected. Secondly, there are omissions or errors in the information, which may also lead to the rejection of the application.