1, poor income: income, as the most important loan application information, is the key to ensure repayment ability, so online loans will judge whether to grant a line according to the borrower's income. Online loans generally don't check the bank's flow, and they don't have that right, so the income is just for reference and combined with other information for comprehensive judgment.
2. Poor credit information: Some users always think that credit is irrelevant, and occasionally one or two overdue payments have little effect. In fact, late payment can reflect two problems. One is that the financial situation is not good, and the capital turnover will be overdue. The other is poor integrity, no sense of repayment on time, and habitual overdue. No matter what the problem is, it will lead to the failure of online lending.
3. Debt: Even if it is not overdue, if the current debt ratio is too high, it will lead to the failure of online lending, because a person's income is limited, and if he is still burdened with debt, there is not much money to repay, so institutions are generally reluctant to give borrowers with high debt ratios an excessive amount.
It may also be due to the following circumstances:
1. Choose a loan product that is not suitable for you.
At present, there are many online loan products on the market, and some people may be at a loss and choose products that they mistakenly think are suitable for them. Actually, they are not. Each product has the characteristics of each product and is aimed at users, some for students, some for high-end people, and some for sesame credit. I suggest you learn more about this loan product and make sure that you can meet its various requirements before applying, which will be much safer.
2. The application materials are false.
Anyone who has had loan experience knows that before applying for a loan, the lender will ask the borrower to fill in relatively detailed personal data, but some people are either afraid that their personal data will be leaked or fabricate false information to obtain a higher loan amount. For example, some people are obviously small employees and write themselves as the president of the company when filling in the information. In fact, this information will be verified during the bank audit. Among them, submitting false information, not meeting the purpose, the real name of the mobile phone number is not authenticated, and the use time of the mobile phone number is less than three months, etc. will all be considered as high-risk factors for loans.
3. Apply for loans too frequently
Some popular mobile APP loans, online loans, etc. Unable to receive credit information, many people began to apply for loans at will; However, these "behaviors" will be recorded in big data. If there are too many applications, there may be suspicion of borrowing intention and it will be rejected.
4. Too many credit inquiries.
This situation may be out of nothing, or it may be caused by too many online lending platforms. Financial institutions will have two kinds of information when inquiring about users' credit information, one is positive information, and the other is negative information, which means that only the information is inquired, and there is no information about the next payment or card, which means that the stool indicates that you have been rejected. Doing so many times will make the bank think that you are short of money and have a high risk of overdue.
Finally, the most important thing is that small amounts can be helped by family and friends, and large amounts can be borrowed from banks. Do not lend irrationally.