Why did the loan fail? Why can t we borrow money?

Check whether WeLoan is bound to a bank card, whether the bank card status is available, whether the information is consistent, the system will generally prompt the reason for the failure, and there may be a problem with your credit, if there is no problem, you can call customer service ** for consultation.

WeLoan is an Internet microfinance product launched by Tencent WeBank. At present, WeLoan adopts an official invitation system, and invited users can see the WeLoan entrance in the [QQ Wallet] of QQ on their mobile phones and the [WeChat Pay] of WeChat.

If you get the prompt "Failed the comprehensive assessment" when you get the quota or apply for a loan in WeLoan, it means that you have not met WeBank's review criteria and are temporarily unable to obtain the quota or borrow.

In this case, it is recommended that you repay the loan on time, maintain a good personal credit history, and protect your information and personal privacy.

If you have an urgent need for money, it is recommended that you choose a big brand, in addition to Tencent Micro Loan, you can also consider Alipay borrowing, Du Xiaoman Finance has money to spend. Money is the credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

The reasons why WeLoan is unable to borrow money may be as follows:

1. The personal loan qualification is insufficient.

Then the system will not be able to judge whether the user has a good repayment ability, so the review will fail the comprehensive assessment.

2. **The audit failed.

If the application for a micro loan is sometimes reviewed, if the problem cannot be recognized by the reviewer, then the request for borrowing will be rejected.

3. Bad personal credit records.

If there is a previous loan overdue record or a credit card overdue record, then WeLoan will not be auctioned through the user's loan application.

4. The system is not updated in time.

Because your personal dynamic score is updated irregularly, the system may evaluate you before you update your personal information, so if you wait for a while and apply for a loan again, you can usually apply for a loan.

5. Micro loan has overdue repayment.

If you have used WeLoan in the past and have a record of overdue repayment, even if the overdue record is not on the credit report, the trust of WeLoan will be greatly reduced. in risk control.

Under strict circumstances, it is very difficult for users who have a past due record to borrow again.

6. There are too many credit card bindings.

Netizen Lin Lin said that he had bound more than a dozen credit cards on WeChat before, and sometimes he would borrow micro loans to repay credit cards, and once his micro loan was suddenly closed, and then he tried to unbind the credit card, leaving only two and also changed the payment password, and when he applied again for a period of time, he actually got the amount of micro loan.

Although I don't know if the closure of WeLoan is related to this, it is still recommended that you do not bind too many credit cards to it, after all, too many credit cards will also affect your personal credit records.

If you rarely use WeChat Pay, transfer money, collect money and other transactions, it may also affect WeLoan's comprehensive evaluation of you, so you should also use various service functions in WeChat, such as living expenses, mobile phone recharge, bus tickets, hotel reservations, etc., to make your account more active.

The reason why the loan has been approved but the loan has failed: the status of the beneficiary bank card is abnormal; Bank access is being maintained or upgraded; The user did not pass the loan approval process; The lender did not match the lending funds; The lender itself is not lending enough. All of the above reasons will lead to loan failure, and after the loan fails, the user can resubmit the loan application.

If you resubmit the loan application, the system will review the user again, and the review result will be based on.

Extended Information] Micro Loan, a loan platform under Micro Loan Network. Micro loan APP is a credit information service product of the micro loan network, the platform provides pure credit large installment loans, car owner credit loans, vehicle mortgage loans and other different amounts, different term loan services to meet the user's diversified borrowing, small loan ** is the most reliable direct to the account, and compared with other loan methods, the loan application of the online loan platform is convenient and fast, but the application for online loan should pay attention to the choice of a formal large platform, which can better protect personal interests and information security. At the same time, be careful not to pay pre-loan fees to avoid being scammed.

It is relatively safe and reliable to borrow money on WeLoan, because WeLoan is a lending product launched by WeBank, and WeBank is an Internet private bank approved by the China Banking Regulatory Commission and has a formal banking license, so WeLoan is also a legal and formal lending platform. In terms of security performance, since micro loan is a bank product, the performance is still relatively strong, and you don't have to worry about falling into the trap of usury. At present, the daily interest rate of WeLoan is that if you borrow 10,000 yuan from WeLoan, then the daily interest is 5 yuan.

When using WeLoan, everyone's credit will be queried, and if the credit is bad, it will not be approved, and WeLoan adopts the system invitation system, and if you are not invited, you cannot use WeLoan. When applying for a micro loan to borrow money, the user will not be required to hand in any paper items and collateral items, and the arrival speed is fast, except for interest and penalty interest, there are no other fees, and it is also subject to the supervision of the regulatory authorities, so it is still very safe and reliable.

In fact, this is not the first time that the issue of "micro loan" checking personal credit history has been questioned. Previously, there were also ** questioned that WeLoan would check the user's credit history and enter it into the credit report without applying for a loan. It can be seen that whether micro loans are reliable or not is also a matter of opinion.

If you want to complete the purpose of borrowing online, you must keep your eyes open and operate carefully. Don't joke about your credit, you should cry when you need to borrow.

For some WeChat and QQ users, it is believed that they are already very familiar with WeLoan, which is a pure online microfinance product launched by WeBank, although it has not been launched for a long time, it has always been favored by consumers. I think the money for a small profit loan on WeChat is reliable, although he is said to be a loan on WeChat, but his money is reliable, as long as you repay him on time.

WeLoan is a popular online loan product in WeChat wallet, users can borrow money in it after opening WeLoan, and after borrowing money, they can repay in advance or on time, many people feedback that they fail when using WeLoan to repay, so what is the failure of WeLoan repayment?

1. If the reserved identity information of the bank card expires, it is recommended to call the card issuer** for inquiry and verification.

2. If the balance of the bank card is insufficient, you can apply for repayment again after transferring the funds.

3. The status of the bank card is abnormal, such as the bank card is frozen, in the process of reporting loss, or the bank card has expired.

4. The bank card is a second-class account, usually the bank card of the second-class account will have a limit, and it is recommended to replace it with a first-class bank card for repayment.

If it is not the above reasons, it may be a network problem, it is recommended to exit and click in to repay, if you have not found the reason, it is recommended to consult ** customer service in it, so as not to become overdue repayment because of repayment failure.

Workarounds for Micro Loan Repayment Failures:

If the deduction fails on the repayment date, the system will deduct the payment again in the early morning of the next day after the repayment date. The successful deduction will not affect the user's personal credit.

2. In addition, if the automatic repayment of your micro loan fails, then in order to avoid overdue, you can also repay the loan manually, and repay the loan according to the instructions of the file.

Extended information: 1. Characteristics of the products of micro loans:

As WeBank.

An internet bank loan launched.

products, "micro loans" have the following characteristics:

1) Unsecured and unsecured;

Personal loans provided by traditional financial institutions.

Most of them require the borrower to provide collateral such as collateral, but cannot provide guarantee or have no fixed assets in their name.

It is difficult for individual users to get loans. "Micro Loan" does not require collateral and guarantee, and does not need to submit any paper materials, which can better meet the small financing needs of users with good credit.

2) 7*24 hours service, the fastest 1 minute to complete the loan;

Relying on strict risk control rules and a complete technical support system, "WeLoan" provides 7*24 hours online services, convenient and efficient procedures, all processes are completed on the mobile phone, and the loan can be received in 40 seconds at the earliest.

3) Early repayment.

No handling fees; Most traditional financial institutions require users to repay on the day of repayment, and if users want to repay early, they need to apply and pay a handling fee. In addition to the regular default withholding repayment, "WeLoan" also allows users to settle the loan at any time without any additional handling fees.

2. Development: On May 15, "WeLoan" was officially launched on the mobile phone QQ and landed on WeChat on September 14. As of the end of December 2020, the microcredit financial poverty alleviation project has been officially implemented in 42 poverty-stricken counties across the country.

Among them, 32 are at the national level), and the project has contributed a total of about 100 million yuan in value-added tax to poverty-stricken areas, effectively helping local poverty alleviation.

When repaying the loan, the bank reservation information is incorrect, indicating that the personal information filled in by the user when binding the bank card on WeChat does not match the bank reservation information. Users need to go to the WeChat wallet, click on the bank card to rebind the card, or choose another bank card to repay.

1. The mobile phone number filled in by the user when binding the bank to WeChat does not match the reserved information of the bank. The user may have gone to the bank to modify the reserved mobile phone number, but did not update the bank card information in WeChat.

2. When the user binds the bank to WeChat, the uploaded ID card is different from the ID card information reserved by the bank. The user may have gone to the household registration police station to reapply for or reapply for an ID card, or may have changed his name, but he has not updated his ID card information in the bank.

When the repayment of WeLoan is made, the bank reservation information is incorrect, and the user should go to the relevant bank to modify the reservation information, and then update the bank card information in WeChat, so as to keep the bank card information and bank reservation information in WeChat Pay consistent.

After the user has modified the information, he can apply for repayment. The user shall contact WeLoan customer service as soon as possible, explain the situation, and solve the problem through customer service. If the customer service of Zhaoli Zhiguo cannot solve the problem, the user should negotiate with the customer service and take the initiative to solve the problem.