The borrowing shows that the service agency has not passed the review

If the loan fails, the page shows that the service institution has failed to pass the review, indicating that the user has not passed the approval of the lending institution and therefore cannot obtain the loan funds. The borrowing page has a loan limit, and the financial institution that provides the loan service will review it after submitting the loan application, and the user may not be able to pass the review due to poor credit qualifications. When borrowing to obtain the loan amount, there is no need to check the user's credit report, so the financial institution cannot know the user's personal credit information.

After submitting the loan application, it is necessary to authorize the inquiry of personal credit, and if the user's credit is bad, then it will not be able to pass the loan review of the financial institution. Moreover, financial institutions will conduct a comprehensive assessment based on the user's credit qualifications, and it is normal for the financial institution to fail the review. Since the previous loan review did not pass the review, it is recommended that users apply for borrowing after a certain period of time.

Repeated applications for borrowing in a short period of time are not conducive to passing the review, and may spoil personal credit information.

Extended Information] Borrow:

If the loan fails, the page shows that the service institution has failed to pass the review, indicating that the user has not passed the approval of the lending institution and therefore cannot obtain the loan funds. The borrowing page has a loan limit, and the financial institution that provides the loan service will review it after submitting the loan application, and the user may not be able to pass the review due to poor credit qualifications. When borrowing to obtain the loan amount, there is no need to check the user's credit report, so the financial institution cannot know the user's personal credit information.

After submitting the loan application, it is necessary to authorize the inquiry of personal credit, and if the user's credit is bad, then it will not be able to pass the loan review of the financial institution. Moreover, financial institutions will conduct a comprehensive assessment based on the user's credit qualifications, and it is normal for the financial institution to fail the review. Since the previous loan review did not pass the review, it is recommended that users apply for borrowing after a certain period of time.

Repeated applications for borrowing in a short period of time are not conducive to passing the review, and may spoil personal credit information.

The reasons for failing the review of the borrower may be:

1. Do not meet the application conditions for borrowing, such as the applicant Alipay has not real-name authentication, is under the age of 18, etc.;

2. Failed to pass the comprehensive qualification assessment of the system.

The review of borrowing will generally end within 3 working days, and the review result will be notified by SMS, if the application is not approved, you can re-apply after 180 days.

Further information: "Borrow" generally refers to "credit loan".

Interpretation: A loan service launched by Alipay.

Application conditions: sesame score of 600 or more.

Application quota: 1,000-300,000 yuan.

Credit Loan (formerly known as Borrow) is a loan service launched by Ant Financial Services Group[1] with the help of Alipay, and users can apply for different loan amounts according to different sesame scores. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

When borrowing, users can choose to lend money to Alipay accounts and bound savings bank cards for personal consumption, decoration, travel, etc.

In November 2021, the name of the borrower has been changed to "credit loan", and it is clearly indicated that the bank will provide services.

Product Introduction. Credit loan is a loan service launched by Alipay, and the application threshold is a sesame score of more than 600. Depending on the score, users can apply for loans ranging from 1,000-300,000 yuan. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

History. On January 28, 2021, Ant Borrowing launched a new function for quota management, allowing users to adjust their quota independently.

In November 2021, the name of Alipay Loan was changed to "Credit Loan", and it was clearly indicated that the bank would provide services. In the future, it will be provided by Ant Consumer Finance and become the exclusive brand of Ant Consumer Finance. Credit services provided independently by banks and other financial institutions will be displayed on the "Credit" page.

In the process of brand isolation, the service experience of users will not be affected, and the core processes such as activation, account review, interest calculation, and loan and repayment will not change.

Controversial events. On January 9, 2018, according to Shanghai TV station, Alipay's small loan product "Ant Borrow" took the initiative to close some user accounts to control the loan balance due to excessive leverage and violation of relevant regulatory regulations of the central bank.

Summary. Hello, the reason for the failure of the borrowing review may be:

1. Do not meet the application conditions for borrowing, such as the applicant Alipay has not real-name authentication, is under the age of 18, etc.;

2. If the applicant fails to pass the comprehensive qualification assessment of the system, if the applicant's sesame credit score is not enough or the previous use of Huabei is overdue, then the review may also be rejected.

The review of borrowing will generally end within 3 working days, and the review result will be notified by SMS, if the application is not approved, you can re-apply after 180 days.

I hope mine can help you.

What is the reason for the failure of the Alipay borrowing service agency?

Hello The reasons for the failure to pass the review of borrowing Jian Hongbei may be: 1. It does not meet the application conditions for borrowing, such as the applicant's Alipay has not been verified by his real name, and the age barrier is under the age of 18; 2. If the applicant fails to pass the comprehensive qualification assessment of the Shouning system, if the applicant's sesame credit score is not enough or the previous use of Huabei is overdue, then the review may also be rejected. The review of borrowing will generally end within 3 working days, and the review result will be notified by SMS, if the application is not approved, you can re-apply after 180 days.

I hope mine can help you.

There are no overdue returns.

Wait a minute, I'm checking it out for you.

1.Alipay users did not carry out real-name authentication, and users need to provide their personal ID cards** when registering Alipay, as well as perfect information about filial piety, and these users did not submit this information, so the prudent world core did not pass. 2.

The comprehensive score of Alipay users is very low, and the frequency of these users using Alipay is very low, and the activity is very low. 3.Alipay users have a bad record of borrowing money on other platforms, which may cause users to fail the platform's review.

4.The borrower will also check the user's sesame credit score, and when the Alipay user's sesame credit score reaches more than 600 points, they cannot apply for a loan on the platform.

This is for you to find out, you can refer to the borrowing system according to the user's account situation review, manual intervention can not be done.

Borrow. The reasons for the failure of the review may be:

1. It does not meet the application conditions for borrowing, such as the applicant Alipay has not real-name authentication.

Under the age of 18, etc.;

2. If the applicant fails to pass the comprehensive qualification assessment of the system, if the applicant has a sesame credit score.

Not enough or used Huabei before.

If it is overdue, then it may also fail the review.

The review of borrowing will generally end within 3 working days, and the review result will be notified by SMS, if the application is not approved, you can re-apply after 180 days.

Extended information] The difference between Huabei and borrowing mainly lies in three aspects:

First, how to use.

The essence of the service product is credit consumption, similar to a credit card, there is a certain interest-free period, as long as you do not use the installment function, and repay the loan on time and in full, you do not need to pay any fees. However, unlike credit cards, Huabei cannot withdraw cash or transfer money, and the limit can only be used for consumption. This is also one of the main differences between Huabei and Borrowing.

Borrowing is a personal consumption loan product, users can apply for borrowing to an account or bank card, and then use the loan for personal daily consumption, decoration, travel, etc.

2. Fees. As mentioned earlier, Huabei is similar to a credit card, with a certain interest-free period, as long as you don't use the installment function and repay the loan on time and in full, you don't have to pay any fees. If the minimum repayment is used, the remaining outstanding principal amount will be charged revolving interest from the day after the due date of repayment and will be credited to the next month's bill. If you use Huabei installment or bill installment repayment, there will be a corresponding installment handling fee, which is subject to the display on the page; If Huabei is overdue, there will be overdue penalty interest, overdue fee = overdue amount * overdue days.

The interest rate given will be different due to the different comprehensive evaluation of each account, and the specific interest rate will be subject to the actual display on your borrowing page. Of course, penalty interest will also be charged for overdue.

3. Quota. The quota of Huabei and borrowing is given by the system according to the evaluation results of the user's comprehensive situation and account usage, so the quota of each user is different depending on the situation, and the quota is not fixed, the system will evaluate the user's situation from time to time, and may adjust the user's quota.

However, the maximum amount of Huabei is much lower than the maximum amount of borrowing, so if the user opens Huabei and borrowing at the same time, the Huabei limit will generally be lower than the borrowing limit.

Summary. Hello dear, here's why:

1.Alipay users did not carry out real-name authentication, and users need to provide their personal ID cards** and complete information when registering Alipay, but these users did not submit this information, so the review failed.

2.The comprehensive score of Alipay users is very low, and the frequency of these users using Alipay is very low, and the activity is very low.

3.Alipay users have a bad record of borrowing money on other platforms, which may cause users to fail the platform's review.

4.When the sesame credit score of Alipay users does not reach more than 600 points, they cannot apply for a loan on the platform.

What is the reason for the failure of the Alipay borrowing service agency?

Hello dear, the reasons are as follows:1Alipay users did not carry out real-name authentication, and users need to provide their personal ID cards** and complete information when registering Alipay, but these users did not submit this information, so the review failed.

2.The comprehensive score of Zhizhixiao Fupay users is very low, and the frequency of these users using Alipay is very low, and the activity is very low. 3.

Alipay users have a bad record of borrowing money on other platforms, which may cause users to fail the platform's review. 4.When Alipay's sesame credit score does not reach more than 600 points, it cannot apply for a loan on the platform.

Dear, I hope the above can help you, thank you! Have a great day!

I used to be able to borrow it.

You can't borrow it now.

If so, the system will consider you to be a high-risk customer and will close your permissions.