Bank loan time varies from bank to bank. After approval, the loan arrival time ranges from 1 working day to 1 month at the earliest. Minsheng Bank and Agricultural Bank of China are faster, with the fastest disbursement within 1 working day; Postal Bank and Bank of Beijing are the fastest, with loans completed within 2 and 3 working days respectively. The loan cycle of China Construction Bank, China Merchants Bank, Bank of China and China Everbright Bank is 5 working days, and the loan period of China CITIC Bank, China Guangfa Bank and Bank of Ningbo is similar. The lending time of ICBC is relatively long, taking one month, while the lending time of Bank of Nanjing and Ping An Bank is within 1 to 3 working days. A loan is a credit activity in which financial institutions provide funds. It is necessary to clarify the purpose of borrowing, apply for a reasonable amount, and ensure timely repayment to maintain a good credit record.

It is worth noting that when applying for a larger loan amount, appropriately reducing the loan amount will help improve the approval rate. When filling in the application information, be sure to be detailed and clear, including the purpose of the loan, personal credit status, source of income and repayment ability, etc., to ensure that you can successfully obtain the loan and repay it on time to avoid affecting your personal credit. If it is overdue, the bank will take recovery measures. Overall, loan disbursement times vary from bank to bank, and proper planning and preparation can help speed up the loan approval process.