There are several reasons why a personal loan application may be rejected. Here are some common factors:

1. Credit Score: Your credit score is a crucial factor in determining your creditworthiness. Lenders often have minimum credit score requirements, and if your score is below their threshold, your application may be rejected.

2. Income Insufficiency: Lenders assess your ability to repay the loan based on your income. If your income is insufficient to cover the loan amount you're requesting, the lender may reject your application.

3. High Debt-to-Income Ratio: Lenders also consider your debt-to-income ratio, which is the percentage of your income that goes towards paying debts. If your ratio is too high, it may indicate a higher risk to the lender, leading to a rejection.

4. Employment Stability: Lenders prefer borrowers with a stable employment history. If you have frequent job changes or gaps in employment, it may raise concerns about your ability to repay the loan, leading to a rejection.

5. Incomplete or Inaccurate Information: Providing inaccurate or incomplete information on your application can lead to rejection. Ensure that all details, including your income, employment history, and personal information, are accurate and up to date.

6. Multiple Loan Applications: Submitting multiple loan applications in a short period can negatively impact your credit score and may signal financial distress to lenders. This could result in rejection.

7. Lack of Collateral: Unsecured personal loans don't require collateral, but if you're applying for a secured personal loan and don't have sufficient collateral, the lender may reject your application.

8. Previous Payment History: If you have a history of late payments, defaults, or bankruptcies, it may affect your creditworthiness and lead to a rejection.

9. Loan Purpose: Some lenders have specific criteria for the purpose of the loan. If the intended use of the funds doesn't align with their policies, your application may be rejected.

10. Legal Issues: If you have legal issues such as ongoing bankruptcies, outstanding judgments, or liens, lenders may view you as a higher risk, resulting in a rejection.

It's essential to review your financial situation and credit profile before applying for a personal loan, addressing any issues that may impact your eligibility. If your application is rejected, you can inquire with the lender about the specific reasons for the rejection and work on improving those aspects before applying again.