This is the most popular credit evaluation method at present, which mainly calculates a score according to the borrower's personal information, assets, credit and institutional consumption. Lending institutions will set a passing line in advance. If the borrower's comprehensive score is unqualified, the loan will be refused on the grounds of "insufficient comprehensive score".
The comprehensive score will refer to housing (rental, mortgage, full amount, number of sets, value), work (income, years, unit, position), credit card (bank, bank, consumer repayment, number of sheets), credit investigation (overdue, credit record, number of inquiries), age, marital status, city and so on, which is very complicated.
Second, a borrowing platform with insufficient comprehensive scores.
In fact, the application threshold of each lending institution is different, and the standards that may be adopted are different. Therefore, if the same application materials in this institution are rejected, you may succeed in going to another platform, and you can apply for more platforms. Here are some loan platforms with lower thresholds for your reference.
1, willful loan. Suning Financial's consumption staging platform, with a maximum amount of 300,000 yuan, can be recycled, and the duration can be freely selected as 5, 10 and 15.
2. Gome Easy Card. The loan amount is between 500 and 5000 yuan, and the loan can be released in 3 minutes at the earliest, and the longest term is 12 months.
In short, there are many platforms for loans with insufficient comprehensive scores, and everyone can choose freely according to their own needs.