If the loan platform clearly has a quota but can't lend, it is recommended that customers check their credit first. If the loan fails because of bad credit, the customer can only postpone the application first and spend time cultivating his credit. When personal credit improves, customers will be more likely to succeed in borrowing again (it is recommended to cultivate credit for about 3 to 6 months first).

If there is no problem with credit, we can see if we have applied for too many loans frequently recently, resulting in long-term borrowing, high personal debt ratio, systematic concern about unstable economic life and insufficient repayment ability. If this is the case, the customer can pay off the debt in his own name first or pay part of it first, and then apply for a loan after the personal debt ratio drops.

And if the loan can't come out just because the platform is currently short of loan funds, then the customer can apply in advance the next day. Generally, every zero point will refresh the platform lending quota.

Of course, it should be noted that sometimes after the loan fails, the system may prompt the customer to try again after seven or thirty days. In this regard, customers are advised to wait for seven or thirty days after the system prompts them to apply for a loan, just to accumulate more good credit during this period.

Which loan is good for mobile phone loan?

1. An Xinhua

An Xinhua is a small loan product under Ping An Bank. When filling in the information, the borrower needs to provide the mobile phone number that has been authenticated by real name and has been used for more than 6 months. An Xinhua has a minimum daily interest rate of 0.04% and a maximum loan amount of 50,000 yuan.

2. Comfortable flowers

An Yihua has a cooperative relationship with Alipay. Can provide users with a credit line of up to 200,000 yuan. Borrowers can search for "comfort flowers" in Alipay, where they can withdraw cash, spend money and borrow by installments. The borrower's Alipay account gets 600 points.

3.e-second loan

Users who want to apply for e-second loan can operate directly on the mobile app of Guangfa Bank. The maximum loan they can apply for is 300,000 yuan, which can be recycled. At present, the minimum annual interest rate of e-second loan is 6%, and the loan installment time can be 12-36. The repayment method supports interest priority and equal principal and interest.

4. Fast electronic loans

Fast e-loan is a kind of micro-credit loan aimed at high-quality individual customers, which can be transferred in real time and granted credit actively. The maximum loan amount that can be applied for fast e-loan is 50 thousand yuan. According to the news, the annual interest rate of fast e-loan is about 7.2%.

5. White collar loans

"White-collar loan" refers to a loan product without any mortgage issued by the Postal Savings Bank to eligible borrowers under the condition of maximum revolving credit. At present, the maximum loan amount of white-collar loans is 300,000 yuan, and the borrower needs to provide his valid ID card, work certificate, income certificate, marriage certificate and other materials.