Borrowing users must know the reasons for insufficient comprehensive scores and solve the problems before they can apply for a loan. Generally, the reasons for insufficient comprehensive score are too many personal credit inquiries, too much debt beyond the borrower's repayment ability, bad credit record and untrue personal information. It is recommended that you find your own reasons and improve them before applying. loan, otherwise the overall score will only get worse.

1. Fenqile: The overall requirements for Fenqile are relatively low. As long as you have no bad credit record and a stable job, you can apply. The credit limit is generally around 5,000 yuan, and the daily interest rate is as low as 0.03%. , the usage period is 3-36 periods, you can choose by yourself. If you can authenticate the credit card bill, you can increase the limit and improve the pass rate.

2. Yangxiaomei: Yangxiaomei is a loan platform similar to Fenqile. The current loan limit is within 50,000 yuan, and new users can apply for more than 1,000 quotas. The usage period is 3-12 months. Only look at the borrower's credit and basic information to evaluate the limit and approval rate. Once approved, the account can be received as soon as the same day.

3. Good installment: Good installment is also a small credit loan product that is relatively easy to pass. The official maximum limit is 200,000 yuan, but the approved limit is generally within 50,000 yuan. The annualized The interest rate is as low as 11.88%. Application requirements include those aged 23-60 who can verify personal information and have no bad credit record.

4. Weixiangjia - Lend to you: Weixiangjia’s loan placement rate has always been very stable, mainly because the pass rate of the loan to you model is very high, and the comprehensive evaluation of borrowers is relatively low. , the maximum limit is 100,000 yuan, the daily interest rate is generally 0.04%, and the repayment can be divided into 15 days to 12 months. Basic personal information and a real-name mobile phone number for more than 6 months are required.

5. Yijiesu Dai: Yijiesu Dai used to be a microfinance product in China Unicom Woyidai. It has now been launched independently. Regular licensed financial institutions provide loans with a limit of up to 60,000 yuan. The interest of 1.5 yuan per day for 10,000 yuan can be repaid in 3-12 installments. The result can be known in 2 minutes after review, and the loan can be released in a few minutes at the fastest.