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Inexplicably "being loaned", the reason is this, have you been recruited?
What is the most maddening thing about online lending?

It is not all kinds of identity verification and information filling when applying for a loan. For friends who apply for online loans, these links are basically minutes, unlike banks that have to wait ten and a half days to apply for credit cards or loans. Some platforms can even handle all online loan application processes within one minute.

Recently, some netizens reported to Dr. Kang that they borrowed 20,000 yuan, and after completing the formalities, they received a text message that was approved. The application status shows "Being Paid", but he hasn't received the account. He is anxious to check again and again whether he has received the short message from the bank. I'm really anxious!

Why sometimes online loans can arrive in seconds, but sometimes they are delayed? There may be several reasons for the bug of online loan delay.

Applying for a loan at the weekend will be delayed.

Many friends may also find that if you apply for a loan on weekends, the speed of receiving the loan will be much slower than usual. Because weekends are non-working days, they are generally slower than working days. Dr. Kang suggested that when applying for loans in the future, try to avoid applying for loans on weekends, so as not to affect your money plan, especially those who are in a hurry to use money!

Bank withdrawals are slow.

However, some friends and Dr. Kang asked why the loans applied for on weekdays are sometimes delayed. In fact, this delay is related to the bank's withdrawal speed.

The lending process of the general online lending platform is divided into three steps:

The first step is that the lender applies for a loan on the platform, which is approved in the background;

The second step, after the background passes, the platform will find a matching investor and will lend money after the matching is completed;

The third step is to transfer the loan money to the platform bank first, and then transfer it from the platform bank to the lender's bank card.

If the online lending platform passes your approval, there will still be delays in the arrival of the account. Under normal circumstances, it is likely to be a bank transfer problem. Friends who have WeChat, Alipay and small wallets all know that there will be a delay in withdrawing money from bank cards, and it is not so fast to withdraw money from bank loans. Sometimes the bank will carry out system maintenance at a certain time, which will definitely affect the arrival time of your loan decentralization.

The online lending platform has no funds to lend.

Be sure to be wary that the online lending platform may give you a "batch" because there is no funds. If you have borrowed money from online lending platforms before, some informal online lending platforms will directly avoid the risk assessment link and directly enter the payment link when you borrow again. At this time, there will be two problems:

First, although the platform shows "Approved", in fact, your personal information or credit information is tainted and there are risks. If the platform manually discovers risk problems, it will stop lending to you;

Second, there are many informal microfinance platforms, all of which are automatically audited by the system. Even if it is approved, there is no money in the platform account to lend to you, and no investor can lend it to you. In this way, not only will you not receive the loan, but you may also show that you have borrowed it, and illegally charge you a loan and interest that does not exist when it expires.

How can we get a quick loan to solve the urgent need?

Pick a good opportunity for the online lending platform to approve your loan application faster. Friends who are eager to apply for loans had better avoid applying for loans on weekends. Even if they apply for a loan on a working day, it's best to confirm whether to lend money before the same day 15, so as to leave enough time for the background to review your information and the bank to handle your loan withdrawal, and improve the loan efficiency.

Maintaining a good credit record is the key to the rapid decentralization of loans. Don't be lucky, thinking that the online loan system is easy to approve and you can pay in minutes. Finally, if the platform finds that your credit history is tainted and there is a risk of borrowing, it will not lend you money easily.

Be sure to choose a formal big brand online lending platform. Formal online lending platforms will have bank depository business, stock asset management business and relatively transparent disclosure of fund information, and there will be no "no money to borrow".

At the same time, your loan will also be guaranteed, which will help to accumulate personal credit. Online lending platforms such as Baidu Qianhua, Microfinance, and Lending Bao are all trustworthy platforms, and there will be corresponding guarantees in terms of lending risks.