The loan of Bee Loan was unsuccessful.

The loan is not successful, which may be because the loan conditions are not met, and it is impossible to lend or there is a problem with personal credit information. Therefore, in this case, we should consider our own factors and find problems from ourselves. And there are not many records left on the internet. Belonging to a small loan company, the credit is not guaranteed. It is recommended not to lend money on it.

First, choose a formal loan company to make loans.

When handling loan business, you must choose a legal and formal platform for loan. If you can't tell whether it is formal or not, you can judge it from the following points:

1. Formal loan companies do not charge fees before handling loans. Formal loan companies will not charge borrowers any fees before lending, so be sure to stay away from those loan companies that ask you for handling fees and service fees.

2. Formal loan companies are closely integrated online and offline. It is often difficult for ordinary loans to complete transactions directly online, and loan companies need to judge whether they can lend or make corresponding loan plans according to the comprehensive ability of borrowers.

3. For formal loan companies, the loan process will not shrink. Formal loan companies handle loans, the process is relatively complicated, and borrowers need to provide all kinds of information. Informal loan companies will attract customers to apply for loans with extremely low loan threshold and fabulous lending speed of almost zero interest. After trapping customers, they will unconsciously let customers pay the bill.

Second, the reasons for the unsuccessful loan lending

There are many reasons for being refused a loan. Because there are all kinds of people who borrow money, the reasons for being rejected are different. There may be the following reasons:

1, no running water or low running water. The running water of the bank is the source of income. People with no running water or low running water prove that the income source is poor, and it is difficult to guarantee normal repayment in the later period. The risk of overdue is relatively high, and banks or lending institutions dare not lend.

2. Credit history. Personal credit information is like a business card. People with poor personal credit records will affect their future employment, job hunting and study abroad.

3. High debt. Usually, when reviewing the personal situation, credit products will also look at the personal debt status in addition to credit records. If the debt is too high, the loan application will be rejected, and generally the debt above 70% will not be passed.