Two hours. According to Cai Xi. After submitting the loan application, there will be a call back, mainly asking about the loan information and the purpose of the loan. The loan will be completed within 2 hours after telephone approval. Users can register their accounts after downloading the piggy bank APP. On the loan page, you can view the specific steps of borrowing, upload personal information such as ID card and bank card, and complete the loan according to the steps.