Mobile App Loan Rejected – Algorithm Secrets Explained | Loansathi.in
Aajkal bahut log mobile apps se
Instant Loan,
Quick Loan
ya
Easy Loan
apply karte hain. Lekin kaafi logon ko “Rejected by System” ya “Not Eligible as per Policy” ka message milta hai — bina clear reason ke.
Sach ye hai ki mobile app lenders ka decision zyadatar
automated algorithm
se hota hai. Yahan koi manual officer aapki story nahi sunta — system sirf data dekhkar decision deta hai.
Is article me hum aapko
algorithm secrets
samjhayenge aur batayenge kaise rejection ko approval me convert kiya ja sakta hai.
Important:
Mobile app loan rejection ka matlab permanent rejection nahi hota.
Aksar issue hota hai
credit data mismatch,
banking pattern risk,
ya
algorithm score threshold.
Jab aap app se
Personal Loan
ya instant funding apply karte hain, system kuch seconds me hi ye checks karta hai:
Algorithm Rule:
Agar aapka internal score lender ke minimum threshold se neeche hai,
to system automatically reject kar deta hai — bina manual review ke.
• Low CIBIL Score ya recent late payments
Apps unsecured lending karti hain. Agar credit history weak hai, algorithm risk score high mark karta hai.
Solution:
60–90 din tak clean repayment maintain karo, utilization reduce karo, phir re-apply karo LoanSathi Mein.
• Too Many Loan Applications (High Enquiry Count)
Agar aapne multiple apps me apply kiya hai, system aapko “credit hungry” category me daal deta hai.
Solution:
Random apps avoid karo. Ek structured application strategy follow karo.
• High Existing EMIs / Debt Burden
System aapki income vs EMI ratio calculate karta hai. Agar repayment capacity weak hai, rejection aata hai.
Solution:
Chhote outstanding clear karo, phir apply karo.
• Bank Statement Red Flags
Frequent bounces, irregular salary credits, heavy cash withdrawals algorithm me negative score create karte hain.
Solution:
2–3 months stable banking pattern maintain karo.
Loansathi.in
ek loan assistance platform hai jo customers ko 150+ banks aur NBFCs ke network ke through right lender choose karne me help karta hai.
Smart Move:
Agar app ne reject kiya hai, iska matlab har jagah reject nahi hoga.
Sahi lender mapping se approval chances improve ho sakte hain.
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Mobile App Loan Rejected – Algorithm Secrets Explained | Loansathi.in
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