Therefore, the loan amount of Didi Loan is not equal to the withdrawal amount. Users can only borrow money if they pass the loan review, and they can't borrow money if they don't pass the review.
First, Didi Loan is a white list system, which can only be opened by invited drivers. You may see a quota after opening it, but every time you borrow a Didi loan, you must review the qualifications of the borrower. Once your current qualifications do not match, you will naturally not lend you money.
Second, Didi Loan is a loan product under Didi Finance, with a maximum loan amount of 300,000. Its application threshold is also relatively low, as long as you provide personal identity documents and bank cards, you can apply. However, many users have reported that Didi Loan is limited, that is, it does not lend money, but it does not lend money because of personal credit problems: when applying for Didi Loan, you need to check the borrower's credit. If the borrower's credit declines or has a bad record on the Didi platform, it is easy to refuse to lend. Personal repayment ability is insufficient: information such as personal income is required to apply for Didi loan. If personal debt is surplus income, it is likely that Didi loan will not be lent out for risk reasons.
Third, the reason why Didi Loan is not given to the lender is because the ID card has expired. The ID card is valid. If the ID card expires and the system cannot detect the authenticity of the applicant, it will refuse the loan. Credit decline. Didi loan has very strict requirements for the applicant's credit information. If the applicant's personal credit information is overdue recently, the system will directly refuse the loan. Insufficient repayment ability. Didi loan attaches great importance to the borrower's repayment ability. If there are a large number of outstanding debts, which have basically reached the limit of repayment, it will lead to the inability to borrow Didi loans.