1, the age does not meet the requirements.

Generally, when handling loans, the borrower is required to be at least 18 years old (inclusive), and the maximum is often no more than 60 years old.

Minors under 18 years old are prohibited from applying for loans, and people over 60 years old are easily refused to apply for loans due to factors such as being too old, declining physical fitness and decreasing economic income.

2. Personal credit is not good.

Whether you apply for a loan from a bank or other licensed consumer financial institutions, you will check the borrower's credit report during the approval process. Once bad information is found in it, most people will worry about the risk of lending and refuse to approve the loan.

3. No repayment ability.

The income is unstable, and it is impossible to provide enough income data to prove that it has the ability to repay the loan principal and interest on time. Banks or other licensed consumer finance institutions are worried that the money may not be collected after the loan is approved, and naturally they will not pass the examination and approval.

4. The personal debt ratio is too high.

Recently, many banks or loan platforms have frequently applied for multiple loans, resulting in too many records of credit inquiry and the phenomenon of long-term lending, which makes loan handling banks or other licensed consumer financial institutions worry about unstable economic life.

5. Vehicles in non-personal names.

Many banks or other consumer finance institutions only support personal vehicle mortgage loans. Only some banks or other consumer financial institutions are allowed to mortgage other people's vehicles, but they must also obtain the written consent of the owner and provide proof of their relationship with the owner.

6. Non-local car license plate.

Most banks or other licensed consumer finance institutions only support local vehicle mortgage. If the vehicle is licensed in a different place, you need to go to the vehicle management office where the vehicle is registered, and the process will be more complicated.

7. Mortgaged vehicles are operating vehicles.

Banks or other licensed consumer finance institutions generally do not support mortgage loans for operating vehicles, because many operating vehicles are not individuals but enterprises.

8. This car is mortgaged.

Many banks or other licensed consumer finance institutions do not support secondary mortgage, and vehicles used for mortgage loans may not be mortgaged.

9. The mortgaged vehicle is an accident vehicle.

Cars that have been involved in serious accidents usually suffer from greatly reduced safety performance and devalued value, and there is a high probability that they will be refused loans due to insufficient cash value.

10, vehicle age and mileage are irregular.

Different banks or other licensed consumer financial institutions will have different regulations. It's best to inquire clearly by telephone before handling the loan.

There are many online loan big data systems that can provide online loan records. You can find important data information such as online loan application record, application platform type, overdue, overdue amount, credit card, estimated credit line of online loan, etc. in "Beijian Quick Check".

Extended data:

What procedures do I need to go through after the loan car is paid off?

After the loan car is paid off, it is necessary to go through the loan settlement procedures at the outlets of the car loan handling bank (auto consumption finance company), handle the loan settlement certificate and get back the vehicle registration certificate.

Then you need to bring the loan settlement certificate, vehicle registration certificate, personal ID card, vehicle driving license, driver's license and other materials to the local vehicle management office to understand the mortgage procedures.

After the vehicle is deregistered, it will be fully owned by then.

You should note that some banks (auto consumer finance companies) will send the loan settlement certificate and vehicle registration certificate directly to after paying off the car loan, so just wait patiently (it may take one to two weeks).

However, if you apply for the agency registration service when you borrow money to buy a car in a 4S shop, the loan settlement certificate and the vehicle registration certificate may be sent to the 4S shop first, and the vehicle registration certificate will be returned after the staff of the 4S shop helps to complete the registration (a certain service fee may be paid at that time).