1. Personal data is incomplete. Now online loan review is automatic, matching age, occupation, monthly income, personal credit, etc. Only those who meet the requirements can be further reviewed, and basically approved except for the first time. If you have no job, no income and no assets, you can only apply for a small loan platform. The interest of these products is very high, and it is easy to form a vicious circle.
2. Many people don't know the age. The personal information of age is very important. As can be seen from the conditions of online loan application, most people are required to be between the ages of 22 and 4. People in this age group have relatively stable work income, which is the development period, so their repayment ability is relatively strong. Borrowers who are too young may have just graduated, or even gone to college, and their salary income is generally low. Older borrowers will have a lower monthly income, and other burdens will be heavier, so their repayment ability is relatively weak.
3. In fact, most online loans on the market are available. However, with the progress of the information age, many online loans have credit circles, and those who are often overdue can find out. Once blacklisted, they will be rejected if they don't agree with each other. Therefore, people who frequently apply for online loans and are often overdue can examine their personal credit.
4. The number of applications. I suggest you check the background of online lending institutions before applying, and strive for a successful application. Otherwise, you will generally have to wait for three months to apply again, and after being rejected, you will apply for other online loans. Sometimes, it will be found out. Too many times will have a bad influence. To sum up, the more formal and reliable online loan assessment is, the stricter it is, and it will be audited in many aspects, and it will also authorize third-party institutions, such as Sesame Branch, Taobao, JD.COM, etc. These factors can affect the progress of loan review, so we should pay more attention to these aspects at ordinary times to improve the success rate of loan application.