There is a quota on the loan platform, but it can't be borrowed. Users need to see what the reason is, and then take corresponding countermeasures. If the user's credit is poor, the user needs to maintain a good credit status and wait until the personal credit status improves before borrowing; If it is an official system problem, users can wait a few days and try again. For example, in JD.COM gold bars, if the user has a quota but can't lend it, it is because the user has not passed the audit of the platform. The user needs to know what the problem is, correct it and apply for a loan.