Description:

1. Credit evaluation: We will evaluate the borrower's credit and judge the repayment ability and credit status according to personal information and credit records.

2. Income stability: The source and stability of the borrower's income play an important role in loan approval. If the borrower has a stable job or business income, he has a greater chance to make the next payment.

3. Loan amount and term: You and I usually determine the loan amount and term according to the borrower's qualification and loan demand. If the loan amount is moderate and the loan term is reasonable, the probability of next repayment is higher.

4. Credit record: The borrower's credit record has an important influence on the approval result. Borrowers who have no bad records such as serious overdue and arrears are more likely to get loan approval.

5. System risk control: You and I both have our own risk control system to evaluate the risk of loan application through big data analysis and algorithm model. The loan application that meets the requirements of the system has a greater probability of making the next payment.

Summary:

If the requirements and conditions of your loan are met, the borrower may get the loan smoothly. But the specific situation should be decided according to personal qualifications and application conditions.

Extended data:

You and I Loan is an Internet finance company in China, providing personal loans and investment and financial services. It is suggested that the borrower carefully read the loan contract and related terms before applying for a loan to ensure that he knows important information such as interest rate, cost and repayment method of the loan. At the same time, the borrower should choose the appropriate loan amount and term according to his own actual situation, and keep good repayment records to safeguard personal credit.