1, insufficient repayment ability. Lending institutions need to ensure that they can recover their funds when lending. Therefore, during the review period, the lending institution will review the borrower's repayment ability. Usually, the repayment ability is reflected from the borrower's income. If the income is too low, it will be rejected because of insufficient repayment ability.

2. The debt is too high. When handling loan business, if there are multiple debts in the borrower's name, the lending institution may refuse your loan application because the user's debt is too high. Because of the high debt, lending institutions will think that the borrower's risk is higher and the repayment ability is discounted, so they will choose not to lend money.

3. Personal credit is not good. Good personal credit status is one of the necessary conditions for handling loans. Whether it is a bank loan or an online loan platform loan, the lending institution will check the borrower's personal credit status. If the credit is not good, it is likely to be rejected.