After the user submits the loan application, the lending institution will first systematically screen the personal data submitted by the user, and then submit the user who passed the preliminary examination to the manual for comprehensive review, including the actual situation, income, liabilities, work unit, etc. as of March 25, 2024. After the manual audit is passed, the lending institution will arrange the loan.

Offline loans need manual review, and the review speed will be slower than online loans. Borrowers should fill in the information carefully when applying for loans to avoid mistakes and omissions, and it will be faster to pass the examination. For online loans and offline loans, lending institutions need to check users' credit reports, and users with poor credit reports cannot pass the loan review.