I have no bad credit history and excellent credit score. But my application get declined all the times. Same with my friends. Every time the lending team give a same stupid excuse to everyone. Lending Criteria Not Met. Daaaaaaa

I don't know their criteria. Was your income history steady and solid for at least the last year? Are you perhaps too young? Do you have debts - car loans, student loans? Are you trying to borrow too much?