Why do Zhongan Loan and Paipai Loan always send you text messages saying that they can increase the quota?

Because this is just marketing information, don't take it seriously.

The purpose is to let you apply for a loan on the loan platform, but whether you have a loan depends on your own qualifications. Only those who meet the requirements of the platform system can have the quota to borrow money on the platform. It is conceivable that you didn't submit any information on the platform. Do you think the message I sent you said you had a quota? Do you think this is true? So don't pay attention to this junk message.