E-loan invitation SMS has been accepted, but there is no loan.

1. Customer information is incomplete or inaccurate. The name, ID number and contact information are wrong or missing, and the bank can't confirm the customer's identity and credit status, which leads to the failure of lending.

2. Bank internal operation error. If the loan application is omitted or mishandled.

3. The loan amount exceeds the credit status of the customer. Banks may refuse loans to reduce risks.