In fact, the application threshold of each lending institution is different, and different standards may be adopted. Therefore, if you get the same application materials in this institution and are rejected, you may successfully go to another platform, so you can apply for more platforms, such as the following lending platforms with lower thresholds.

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.

3. Loan: interest: 0.8%/ month interest rate; Loan term: June; Loan amount: 500-50000 yuan, loan conditions: 18 years old or older, real-name authentication, face recognition, bank card binding.

4. Online loan with insufficient comprehensive score of malt loan: Malt loan is an extremely fast microfinance product, which can provide two loan modes. The first ultra-fast micro-loan amount is between1000-2,000 yuan, the daily rate is about three thousandths, and the loan term is 10-45 days; The second credit installment is 3000- 10000 yuan, which supports 3- 12 installment.

Second, what do you mean by insufficient comprehensive score?

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.

If the comprehensive score is insufficient, users can try to apply for other online loans. Different online loan review standards are different. For example, the comprehensive score of the audit result of A loan is insufficient, but users can pass the loan audit when applying for B loan. Therefore, when users apply for loans, if the comprehensive score is insufficient, they can try to apply for other loans, and other loans have a certain chance of passing the audit.

However, users have been applying for a loan, or mainly applied for a bank loan, which has been evaluated as insufficient comprehensive score. Multiple loan applications cannot change the audit results.