Confirm whether your mobile phone is unblocked, cooperate with authentication and upload data during the audit process. If you can't be contacted, or the proof and information are incomplete, the audit will fail. At the same time, during the audit process, the staff will also make a comprehensive evaluation of your comprehensive situation, including your mobile phone authentication, income reflected in the uploaded materials, job stability, credit history, off-site loans, comprehensive debt ratio, etc. If the comprehensive evaluation passes, the loan is successful. The comprehensive evaluation is unqualified, and the loan evaluation is unqualified.

The reasons for the failure of loan review are:

1. The information uploaded by the borrower is false, and the loan will not be lent to the borrower whose identity cannot be determined, and the borrower can re-authenticate the information;

2. The borrower's comprehensive credit does not meet the criteria for auctioning off loans, and auctioning off loans will not lend to borrowers with low credit, so borrowers can improve their credit;

3. The borrower does not receive a phone call during the audit of the pat loan, and the pat loan will not be lent to the borrower who has not completed the audit. The borrower shall keep the mobile phone unblocked after submitting the loan review;

4. The amount has been overdue on other platforms. Now overdue users among major lending platforms are shared, and loans will not be lent to overdue borrowers, and borrowers can pay off loans on other platforms.

: Auction loan review process.

The audit process of auction loan is mainly divided into two parts. For new users, there will be a preliminary review of the auction loan. After approval, it can enter the final stage. If the borrower has borrowed for the second time, there is generally no preliminary review, and it will directly enter the final review. In the preliminary examination of the auction loan, after the general applicant submits his own application materials, the auction loan data system conducts the preliminary examination of the loan information. After preliminary screening, it entered the final stage. Generally speaking, the final stage is manual audit. When conducting manual audit, there is usually a telephone audit stage. After the telephone audit is passed, it can basically be said that the audit is completed.