The main reason for the unsuccessful loan is the failure of the comprehensive system audit, because the application amount of small full amount and the loan are audited separately. Users will be asked to supplement more information when reviewing loans, and the system will also conduct a more comprehensive review and evaluation of users' comprehensive situation. Therefore, relatively speaking, the loan review will be more stringent, so there will be cases where the small full amount is approved, but the loan review is not passed.
The maximum loanable amount is 200,000, the daily interest rate is 0.02%, and the annualized interest rate is 7.2%, so the capital turnover will be small. I would like to remind everyone to beware of fake customer service fraud. If you meet a "fake customer service" who claims to collect "verification money" and "deposit", you can apply for a small loan. Don't believe it. It's all loan fraud. If you have more questions, you can find my customer service online through Xiaoman App.
Why is it not successful to borrow money when there is little money?
However, the loan failed when there was a quota. First of all, it may be because users have applied for loans too frequently recently, and many of these loans have not been paid off, resulting in a high debt ratio of users. Therefore, considering that such customers may have unstable economic life and insufficient repayment ability, it is naturally impossible to apply for loans from customers easily.
In addition, the loanable amount is insufficient, and the minimum loanable amount has not been reached, so it is natural that the loan cannot be successful.
The user also has credit problems recently, and the platform system is worried about the risk of lending, so it refuses the customer's loan application.
Take Xiaoman version 7.4.0, Apple 13(IOS 15.2 system) and Huawei mate40(HarmonyOS2 system) as examples. If it is the first reason, users are advised to pay off their debts or part of their debts first, and wait for a period of time to reduce their personal debt ratio before trying to apply. If it is the second reason, you can only apply for the outstanding loan first, and then wait until the quota is restored and the minimum loanable amount is reached. If it is the third reason, you can only restore your credit before applying.
Application conditions for small fullness:
1, aged between 18-55 years old. Among them, college students with money can't apply.
2. The second-generation ID card and my debit card need to be provided during the application process.
What if I can't borrow money?
If you have a small amount but can't borrow money, you can. Customer service with little consultation will help you solve it. But if you borrow money, you have to pay it back. Whether you can repay the loan depends on your credit level.
The reason why we can't borrow money from Xiaoman Finance is because the borrower doesn't meet the loan conditions. When applying for a loan from Xiaoman Finance, Xiaoman Financial System will evaluate the borrower's usage, personal credit information and personal liabilities. If the comprehensive evaluation is unqualified, it means that the borrower can't lend if he doesn't meet the conditions of small full financial loans, so small full financial loans can't be loaned.
If you want to avoid the situation that you can't borrow money from Xiaoman Finance, then you must maintain good personal credit and reduce personal debt, so that you can continue to borrow money from Xiaoman Finance.
Du Xiaoman Finance, formerly known as Baidu Finance, is a financial brand, which was established in 2065438+April 2008. "Small and complete" means "starting from Baidu, small and complete, moving forward". Xiaoman's financial business includes consumer finance, payment, internet financing, internet banking, internet insurance, internet securities and other sectors, covering all fields of financial services.
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