1. Different lending institutions will have some differences in approval time. Under normal circumstances, online small loans can be disbursed within a few minutes, the loan company review time is about three days, and the bank loan approval time is about 15 days.

2. If the lending institution encounters financial constraints or policy changes, you may need to queue up and wait for a month or even longer, but generally it will not exceed three months. If you have not received approval for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions.