The 30th. According to relevant public information, it takes about one month to apply for a loan in a bank, which will be affected by the adequacy of the bank loan amount. The simple and popular understanding of a loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.