Why can t you borrow money in installments?

The installment line cannot be borrowed, mainly because the user's installment line is a credit line, and the credit line is not equal to the final loan limit. However, if there is a credit line, but the loan is not approved, then the user will not be able to obtain the loan funds. Due to the change of the user's credit qualifications, obtaining the credit line can only mean that the user has passed the preliminary review of the system, and must also pass the final review of the system before obtaining the loan funds.

Founded in October 2013, Installment Le is the first batch of council members of the Internet Finance Association of China and the first batch of 17 Internet financial credit information sharing units. It has established official cooperation with many well-known brands such as Apple, L'Oreal, and Philips, and has become the third largest Internet channel after JD.com and Tmall in terms of sales volume of many brands. With a wealth of high-quality products and a good installment experience, Installment Le** provides users with a new e-commerce installment consumption scenario; At the same time, it is also open to credit card holders of dozens of banks such as Industrial and Commercial Bank of China and China Merchants Bank.

The main reason why you can't borrow money is due to the following reasons:

1. The borrower's comprehensive credit score is insufficient: If the comprehensive credit score does not meet the loan requirements of the installment club, then it is impossible to borrow money on the installment club.

2. The quota of the current time period has been grabbed: the quota of the installment withdrawal is required, if the quota of the current time period is exhausted, then the quota can only be grabbed at the next point in time.

3. The borrower has a record of overdue repayment: If the borrower has been overdue in the installment, then the installment club thinks that there is a great risk in lending money to the installment again, so the installment loan line cannot borrow money.

4. Fill in the wrong application information: When completing the identity information, if the information is filled in incorrectly, then it will not pass the review. If you can't pass the review, you can't borrow money if you have a limit.

The reasons why you can't borrow the installment amount are mainly concentrated in 4 aspects, which are detailed here for you one by one. 1、The overall score does not match: The installment itself does not lend, and the loan services are provided by the cooperative institutions, and the review conditions of each institution are not the same, but there will be a comprehensive score according to the applicant's credit conditions, previous loan history, etc., and the score is insufficient, and the amount cannot be lent.

2. There is overdue: If you have borrowed money overdue before installment, or want to borrow again if you don't repay the loan, this is definitely not tolerated by installment, and it is generally difficult to borrow even if you have a limit. After all, in the credit society, only by paying attention to integrity can we go far, and it is not difficult to borrow again after a long time.

3. Early repayment: Installment music lends you money naturally to charge interest, and if you repay in advance, it will make the installment happy to get less money, and will also give installment music You don't have much need for this loan, and it will not lend you again.

In this case, you can also borrow again on the second day, and you will be able to lend out this amount. When you find that you can't borrow the amount of installment music, you must tell the customer service and let the customer service solve the problem for you. If the customer service is not able to solve the problem for you, you can also look up some solutions on the Internet.

Installment is a particularly popular small-amount consumer financial product, which mainly provides users with cash loans and credit card repayment services.

Seek help from the platform's customer service.

There is an app for installment music, which also sets up **customer service, if you have any problems that can't be solved, you can go to this customer service and let him solve the problem for you. **Customer service is manual customer service and machine customer service, if you feel that the machine customer service can not solve your problem, you can also queue up and wait for the hall code, let the human customer service serve you. You can reflect your problem to the manual customer service, ask the human customer service to make a registration, and then the customer service will give you a response to help you solve the problem that the amount cannot be borrowed.

Why is this happening?

Installment music is not something that can be lent out if there is a limit, and it has to pass the evaluation of the system if there is a limit. The system is mainly based on the applicant's personal credit information, debts, etc. If you don't meet the loan conditions of installment music, then you can't borrow even if you have a quota.

Under normal circumstances, if there are overdue bills in installment, it will naturally not be approved if you want to withdraw cash. If it is overdue in other financial institutions and is uploaded to the credit report, it will also affect the cash withdrawal service of Installment Fun. And this requires us to maintain a good credit profile, minimize debt, and wait for the next evaluation of the system.

To apply for an installment loan, you need to pass the comprehensive rental assessment of the system, and if the amount cannot be borrowed, there may be the following reasons:

1. The applicant's comprehensive credit assessment has not passed, and the score is not high;

2. The applicant has overdue behavior on the installment platform;

3. Frequent early repayment after the installment loan is flushed, and the system thinks that your loan demand is not very strong;

4. The lender of installment cooperation is insufficient, and it is necessary to grab the quota or the system to give priority to users with better credit conditions.

Therefore, if you want to take out a loan in installments, you need to maintain a stable personal credit report and reduce your debts, so that you can still have a chance to succeed in the loan and regret it.

If you have a quota but can't borrow money, it is likely that the customer's recent credit status is not very good, for example, the repayment may be overdue, resulting in personal credit damage; Or long borrowing, resulting in a high personal debt ratio.

Extended information: 1. Installment is an Internet micro-loan product, and its credit funds are provided by microfinance companies or banking institutions, and its funds are used for users' small consumption expenditures, such as the purchase of large-amount consumer goods in installments. The reason why some users show that they have a quota but cannot borrow is because Installment Le has to further review the borrower's qualifications after receiving the applicant's application.

2. What should I do if I can't borrow money if I have a quota for installments?

1.In this regard, it is recommended that customers who are overdue in repayment should pay off the arrears as soon as possible, and then take good care of their credit; Customers with high debts should pay off their debts first and reduce their personal debt ratio, do not rush to apply immediately, it is recommended to wait for 3 to 6 months.

2.At that time, if the personal credit level has rebounded, it may be possible to borrow again and successfully pass the approval; During this period, customers with high debts should not only find ways to repay their debts, but also pay attention to not applying for new credit products, so that the situation of credit investigation is improved, which is also conducive to loan approval.

If you are still unable to borrow after 3 to 6 months, you will have to continue to accumulate good credit. Of course, if you can't borrow money on the installment platform, you can also try to apply for a loan from other consumer financial institutions after your credit improves.

3.It is also very normal for some borrowers to click on the application when they see that there is a quota, but they are unable to make the payment in the end. If you encounter such a situation, there are three main ways to solve it:

1) Try to contact the platform, consult the specific reason for the rejection, and prescribe the right medicine to solve the problem;

2) Don't try to apply again within half a year, because every time you apply, the agency will check your personal credit, and the more inquiries, the more difficult it is to apply;

3) You can try to settle some online loan products with a smaller amount, and wait for a period of time after settling them before trying.

If the online loan funds are frozen, you must contact the platform in time, ask about the specific reason for being frozen, and negotiate a solution, if the platform agrees, you can try to repay the loan in installments.

First, after filling in the loan information, you received the loan platform**All your information has been submitted, and you should have quietly waited for the loan amount to hit your account, but what you are waiting for is not money but a**,**, the so-called platform customer service will say to you: Hello Ms. Sir, because of your personal operation error, the loan you issued has now been frozen by the China Banking Regulatory Commission, and you need to pay a deposit of 3,000 yuan Unfreezing fees to unfreeze funds and correct bank card numbers, otherwise you will be sued and so on. This is the beginning of many parties being deceived, because they don't understand the law and don't understand the specific process of loans, and they panic when they encounter such things.

I heard that the money was paid, and the unfrozen funds could be issued together with the principal, so I felt that I would pay the money without losing money, but in fact, I had already stepped into the trap of **.

Everyone will have a time when funds are tight, if you need money urgently, you can get a loan through the following methods: apply for an online loan to borrow money: most online loans are credit loans, no need for guarantees and collateral, such as borrowing, micro loans, Jingdong gold bars, the speed of the next payment after the application is successful, and you can usually borrow money on the same day.

Du Xiaoman Finance: Money to spend is a personal consumption credit service product launched, you can get the limit after submitting personal information, and the fastest 30 seconds for review.

Currently,The amount of money to spend can be up to 200,000 yuan, and the annualized interest is as low as:,The specific loanable amount is not officially given, and the limit of most users who have money to spend is generally about 30,000 yuan, and the limit of some users is more than 70,000.

360 IOU: 360 IOU can borrow up to 200,000 yuan. The minimum daily interest rate for 360 IOUs is: However, the actual interest rate depends on the comprehensive qualifications of the borrower, and many people have applied for a loan on a 360 IOU.

Second, when taking out a loan, repeatedly check why the card number is still filled in incorrectly.

If you haven't confirmed your loan information, then you will most likely think that it was your own operation mistake after receiving the notice, but if you check it again and again, you still find that it is still the wrong one, what is going on? Here, Mr. Li tells you that no matter whether you make a mistake or not, you will definitely become a person who fills in the wrong single digit, because the back-end manager of the fraudulent software will immediately change your one after you hand in the information, and then say that you have made a mistake and filled in the wrong single digit. If you come across such a platform, you can try to enter a few numbers wrong at random, and in the end, you will find that the bank card number you submitted will still be changed to a single digit, and then the platform will say that you are one wrong digit instead of finding out that you are several wrong.