1 to 15 working days. According to the query of official website, the Rural Commercial Bank, it will take about 15 working days for the Rural Commercial Bank to successfully apply for a loan. The time required for handling personal loans of rural commercial banks is mainly related to the types of loans handled by borrowers. Bank lending refers to a kind of credit activity in which banks provide monetary funds to those who need them at a certain interest rate and on the condition that they must return them.