Legal analysis: 7 to 15 days or so. Generally, the examination time of student loan is about 7 to 15 days. The review process is as follows: firstly, the school is responsible for the qualification review of the applicant, and after the review meets the requirements, it is submitted to the bank, and the bank finally approves the student's loan application. After the review is passed, the loan can be directly issued to the bank card. Conditions for examination and approval of student loans: with China nationality, the borrower must hold an ID card of 16 years old; The borrower's family is in financial difficulties; Honest and trustworthy, good quality, no violation of law and discipline; The borrower has a certain learning ability and can guarantee normal graduation.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.