1. What does an insufficient overall score mean?

This is the most popular credit evaluation method. It mainly calculates a score based on the borrower's personal information, assets, credit, institutional consumption, etc. The lending institution will set a passing line in advance. If If the borrower's comprehensive score is unqualified, the loan will be rejected on the grounds of "insufficient comprehensive score."

The comprehensive score will refer to factors including housing (rent, mortgage, full payment, number of units, value), work (income, years, unit, position), credit card (bank, limit, consumption repayment status, Number of credit cards), credit information (overdue, credit record, number of inquiries), age, marital status, city, etc., are very complicated.

2. A platform where you can borrow money even if your comprehensive score is insufficient

In fact, each lending institution has different application thresholds and may adopt different standards, so you apply for the same If your materials are rejected by this institution, you may be able to succeed on another platform, so you can apply to several more platforms. Here are some borrowing platforms with lower thresholds for your reference.

1. Willful loan. The consumption installment platform under Suning Financial has a maximum limit of 300,000 yuan, which can be used repeatedly, and the term can be freely selected among 5, 10, and 15 installments.

2. Gome Easy Card. The loan amount is between 500 and 5,000 yuan, no mortgage guarantee is required, and the loan can be issued in as little as 3 minutes, with a maximum term of 12 months.

In short, there are many platforms where you can borrow money even if your overall score is insufficient. You can choose freely according to your needs.