Didi Financial Dishui Loan has a limit and cannot borrow because the user has not passed the loan review of Didi Shui Loan. Generally, this is due to three reasons: the user’s personal credit is bad, the repayment ability is insufficient, and the platform’s lending funds are tight.

Let’s elaborate on these three reasons.

1. The user’s personal credit is bad: Dishui Loan is a product of a formal financial institution and has strict credit requirements for borrowers. Therefore, when applying for Dishui Loan, the system will check the borrower’s credit report. If there are obvious default and overdue records on the user's personal credit report, Dishui Dai will not approve the loan, even if there is a quota.

2. Insufficient repayment ability: In addition to checking the user's willingness to repay, the platform also attaches great importance to the user's repayment ability. If a user has recently applied for loans or credit cards everywhere, resulting in an increase in debt or a problem with their work income level, and is considered to have low repayment ability, then the lending institution will not agree to approve the loan to avoid risks.

3. Tightening of platform lending funds: Many funders now have insufficient lending funds or policy tightening, so the number of users who can successfully obtain loan quotas is also decreasing accordingly. Lenders still prefer high-quality customers with good qualifications and credit. Therefore, if the qualifications of the borrower are relatively average, it is very likely that there will be a situation where the loan is not available.

Didi Chuxing has been renamed Dida Chuxing. Version information: Take Dida Chuxing version 8.27.0, Apple 13 (IOS15.2 system), and Huawei mate40 (HarmonyOS2 system) as examples.