1, the borrower's personal credit is not good: both the online loan big data and the bad credit record of personal credit indicate that the borrower's personal credit is not good, and lending institutions are unwilling to issue loans to people with bad credit in order to ensure the safety of funds.

2. The borrower's age does not meet the requirements: different loan products have different requirements for loan age. Among them, 18 years old can apply, and some people need to be over 22 years old to apply successfully.

3. The phone number used by the borrower is not authenticated by real name: Many loan products will require the borrower to use the mobile phone number for more than half a year for real name authentication. If the mobile phone number of such loan products does not meet the requirements, it will be difficult to pass the examination.

4. Borrowers' loan information is falsified: Some borrowers may not provide true and effective information in order to prevent privacy leakage, or exaggerate some situations in order to obtain a higher quota. Lending institutions will think that borrowers are suspected of fraudulent loans, so they are unwilling to issue loans.

5. The borrower's loan application is too frequent: If the borrower submits multiple loan applications in a short period of time, there will be a large number of loan approval inquiry records in personal credit information, which will make the lending institution feel that the borrower's loans overdue is risky and unwilling to issue loans.