Isn't it good to apply for a loan online at night?
Online loans are mostly a combination of system approval and manual approval, and the specific approval method is related to the borrower's credit status.
For example, if an old customer who borrowed money before repays the loan on time, most of the second loans are automatically approved by the system, so there is not much difference between applying during the day and applying at night. After all, the system can be approved 24 hours a day, and if it passes, the loan will be released. However, bank settlement may not be timely at night, and some will arrive during the day even after the night.
For example, new customers' loans, especially white households with credit information, have no historical record of loan repayment on the platform, and credit information is blank. Based on the basic personal information, it is impossible to evaluate their credit status well, so it may be necessary to further confirm manually after the initial review of the system, and it is impossible for manual work to be online 24 hours a day, so the application at night will have to wait for manual review.
In addition, there are some special circumstances, such as upgrading or maintaining the loan platform system at night, so there is not much difference in time between system approval and manual approval, because it can only be approved after the system is restored during the day.
The above is "Isn't it good to apply for a loan online at night?" . In short, it is likely that it will be difficult to apply for a loan at night, but it will not take much longer than it will take during the day and night. Considering that the night is not the peak period of borrowing, you can also apply at night.