Six months to one year. Online loan risk controls generally take six months to a year to be lifted. If the user does not commit any loan violation during this period, then the risk control will be gradually eliminated. Online loan risk control, as the name suggests, is online loan risk control. It is one of the most commonly used terms in the financial industry. It refers to risk managers taking various measures and methods to eliminate or reduce various possibilities of risk events, or Reduce losses when risk events occur.