about 1-15 days. The time when the bank submits the results is related to the type of loan it applies for. If the lender applies for a short-term personal consumption loan, it will usually receive a reply within one to three days after submitting the loan. Whether the loan is approved or not can be done by waiting for the next payment. Lenders who apply for medium and long-term loans, such as car loans and mortgage loans, usually receive a reply within seven to fifteen days after the entry.