Qian Xiaole has been lending money for two days for the following reasons:

1. The loan is still being lent, which means that the loan funds have not yet arrived, and if the funds have not arrived, there may be abnormal situations. For example, the abnormal status of the collection bank card and the maintenance of the bank clearing channel will all lead to the failure of lending.

2. The success of the loan depends on the arrival of the loan funds, and the loan contract is not effective until the funds are received. If the loan funds have not arrived, the user does not need to repay, and the lending institution may not ask the user to repay. Generally speaking, a loan lender will need to match the loan funds before lending them to the user's bank card. The failure of fund matching shows that the loan amount of the lending institution is insufficient, which is equivalent to the failure of the user's loan application. In a word, after the user applies for a loan, the loan page must show that the loan was successful, and the user did receive the loan funds, so it is considered that the loan was successful. As for other situations, it can be regarded as a loan failure.