The bank shows that the self-service loan service has been opened, but the loan function cannot be used on the mobile phone. The possible reasons are as follows:

1. There may be something wrong with the mobile banking system, so the loan function cannot be used. It may also be that the bank has not completed the update of the mobile banking system, resulting in some functions being unavailable.

2. The bank may also restrict the function of mobile phone loan according to the customer's qualification and credit status, even if the bank shows that the function has been opened.

Therefore, if you can't use the loan function on your mobile phone, it is recommended to contact the bank's customer service, ask the specific reasons and seek a solution.