Secondly, have you ever signed an IOU?

Finally, it depends on when the loan officer will give you a loan. Usually, banks will lend money in sequence, depending on how many loans you haven't put in front. It has nothing to do with who signed it. If the loan receipt has been signed and the date has been filled in the receipt, then the receipt says that the loan will be given to you on any day.

-Thin and cool