Why did the loan approval fail? Information of

Sorry, the application was not approved.

There may be many reasons for the failure of loan application, such as poor personal credit information. When the loan is opened, the system will query the user's credit information. If the credit is not good, the application cannot be opened at this time. I can't open it in a short time at this time. After all, bad credit information cannot be changed.

If the loan application fails, there may be something wrong with the Alipay account. There is no way to open a loan account without real-name authentication. At this time, you can supplement the corresponding materials, such as personal identity card information, work information, social security, driver's license and so on. , can increase the chance of opening.

If the loan application fails, it may be that sesame's credit score is too low. When the loan is opened, the sesame credit score should be above 600. When the sesame credit score is too low, users can increase the frequency of using Alipay, so that the sesame credit score will be improved after a period of time, and then the application will be passed.

The loan amount may not be too high when it is first opened, but with the continuous use of users, the amount that can be loaned will continue to increase. However, users need to repay on time after borrowing, and there should be no overdue repayment. If it is overdue in the use process, the loan will generate a penalty interest, which will affect personal credit information.

Excuse me. Why didn't the audit pass?

The reasons for the failure of loan review may be:

First, it does not meet the loan application conditions, such as the applicant Alipay has no real-name authentication and is under 18 years old;

2. Failed to pass the comprehensive qualification evaluation of the system. If the applicant's sesame credit score is insufficient or the previous use of flower buds is overdue, it may not pass the examination.

The general loan review will end within 3 working days, and the result will be notified by SMS. If the application fails, you can reapply after 180 days.

The difference between flower bai and borrowing bai lies in three aspects:

First, the method of use

Bai Hua is an online consumer financial service product, which is essentially a credit consumption, similar to a credit card, and has a certain interest-free period. As long as you don't use the installment function and repay in full and on time, you don't have to pay any fees. However, unlike credit cards, flower beds cannot be withdrawn or transferred, and the quota can only be used for consumption. This is also one of the main differences between flowers and borrowing.

Lending treasure is a personal consumption loan product. Users can apply for loans from accounts or bank cards, and then use the loans for personal daily consumption, decoration, travel and so on.

Second, the cost

As mentioned earlier, flower buds are similar to credit cards and have a certain interest-free period. As long as you don't use the installment function and repay in full and on time, you don't have to pay any fees. If the minimum repayment amount is used, the remaining unpaid principal shall be calculated from the day after the due repayment date and credited to the bill of next month; If you use Bai Hua installment payment or bill installment payment, there will be corresponding installment fees, and the specific fees will be subject to the page display; If the flowers are overdue, there will be overdue penalty, and the overdue fee = overdue amount *0.05%* overdue days.

The loan interest is calculated on a daily basis. Because the comprehensive evaluation of each account is different, the interest rate given will be different. The specific interest rate is subject to the actual display on your loan page. Of course, there is a penalty interest for overdue.

Third, the amount.

The amount of flowers and loans is given by the system according to the evaluation results of users' comprehensive situation and account usage, so the amount of each user is different under different circumstances, and the amount is not fixed. The system will evaluate the user's situation from time to time and may adjust the user's quota.

The maximum amount of flower buds is much lower than that of borrowing buds, so if users open flower buds and borrowing buds at the same time, the amount of flower buds will generally be lower than borrowing buds.

What is the reason for the loan failure?

Probably for these reasons: 1, the customer's credit is not good, such as the recent overdue repayment; 2. The loan amount applied for exceeds the prescribed limit, and the general loan amount is only several thousand yuan; 3. The account risk is high, probably because the customer violated tx.

Risk operations such as scoring; 4. There are problems with account security, such as expired authentication information, being stolen by others, and so on. If your loan amount is limited but you can't borrow it, and it's not for these reasons, you can consult online customer service in the loan.

1. Borrowing users used to apply for loans at borrowing banks and successfully obtained loans. All of a sudden, these borrowers failed to apply for loans on the online lending platform, mainly because the borrowing bank would review and evaluate the borrowers from time to time. When the personal qualifications of these users change and the users do not meet the criteria for platform loans, the lending platform will not borrow from the users. It is impossible for people to interfere with the audit of the lending system. Borrowing users usually use Alipay and develop good personal credit to help them open smoothly.

Second, the loan will review the account security of Alipay users. If risks are detected in users' accounts, lending services are not provided to these users. Because some users frequently change all kinds of mobile phone devices, the user information obtained by Alipay platform is not comprehensive, and these users will not be provided with loan services for the time being.

Third, how to solve these problems? 1. If the personal information or assets of borrowing users have changed recently, resulting in insufficient comprehensive scores of these users, then users need to improve their personal credit. It is suggested that these users can use more functions on Alipay platform and wait for the system to re-evaluate users.

2. If the borrowing user's environment network is poor, which leads to the failure of borrowing, it is suggested that these users can apply for borrowing in some places with better network environment.

Fourth, Alipay users' accounts may be in an abnormal state, which makes it impossible for these users to apply for loans on the platform. It is suggested that these users can consult the manual customer service of the platform to understand the specific reasons. For example, these borrowers can modify the payment password in time to ensure the security of the account.

Users want to apply for loans more smoothly on the online lending platform, and they need to pay attention to the review of the platform at all times. Borrowing can help many borrowers solve their loan problems. These users must also know the details of the platform when applying for loans.