You should know that there are many reasons for loan failure, such as platform reasons, such as insufficient platform loan quota, or platform system upgrade and maintenance. The loan will be invalid; And policy reasons, such as regulatory restrictions on the loan scale of lending institutions; There is also the borrower's own reasons, which is the most critical.

If the borrower's own reasons lead to the failure of the loan, it can be investigated from two aspects:

1, personal credit

The most basic credit requirement of the loan platform for borrowers is that they cannot have serious bad credit. In order to confirm the borrower's credit status, the borrower's credit report will be checked during the examination and approval. If the borrower's credit report is currently overdue, or three or six times overdue within two years, as well as bad debts and compensation records, it will be directly refused.

There is only one solution, that is, we must stop bad behavior and then collect credit for a period of time. How long it takes depends on the degree of bad credit reporting, and it may take up to five years. We should pay attention to both sides in improving credit information. On the one hand, we should maintain good credit and avoid bad behavior. On the other hand, we should control the frequency of applying for a loan card and avoid changing credit information.

2. Personal repayment ability

Many people meet the basic conditions of loans, and their personal credit is fine, but their repayment ability is poor, so they can't get loans. This requires the borrower to see whether the personal income from work is stable first, and then understand his debt situation.