Why is the mobile phone loan rejected?

1. Why is the mobile phone loan rejected?

Reason 1. Bad credit record Once there is a problem with personal credit information, it is difficult to apply for a loan. Most people's applications for loans have been rejected many times. The reason is that there are stains in their personal credit records, such as loans overdue in the past, being judged as untrustworthy by the government or blacklisted by peers of lending institutions. In order to avoid the risk of default, lending institutions generally do not lend to customers with tainted credit records, and so do small mobile phone loans. Second, the information is incomplete. Although the loan amount is low, the applicant needs to submit complete supporting materials. If the lender is lucky enough to deliberately fail to provide complete personal data or deliberately provide false information, the lending institution will definitely refuse the loan application. Because, from the data review, it can be found that the borrower's willingness to repay is poor, and the general lending institutions will not be willing to lend to these people. Third, if the loan amount is too large, a person can apply for a loan on different loan apps, but there is also a problem. Many loan apps have * * * enjoyment information. If the applicant fails to repay the loan from multiple apps, then going to other mobile phone loan apps may be rejected because of too many loans. Reason 4: Target customers of non-loan apps Everyone knows that mobile loan apps emerge one after another, but all kinds of apps are different. The biggest difference is the different customer groups. Most loan apps are consumer loans for young people, but they are also divided into working-class loans and college student loans. If customers applying for venture loans use these apps, it is estimated that it is difficult to obtain approval.

Second, why am I refused to apply for an aPP loan?

How many app loans have you applied for? Personal information is true and mobile phone authentication is successful. As long as you have a job or a college student. Many can be seconds.

3. If I change my job while applying for a loan, will I be rejected because of my unstable job?

Author of articles in the field of credit cards. Insist on sharing credit card knowledge and skills, welcome to pay attention to Kawo app. When applying for a loan, a stable job and income are also a major inspection point. The bank thinks that working for at least 6 months can be stable, so it is best not to jump ship easily in the application.