Legal analysis: No, if the loan is approved, it is a successful loan. At this time, I don't want it. I can only pay off the arrears in advance, and I can't cancel the loan directly. Before the loan is issued, or when the loan contract is not signed, the user can try to apply for cancellation of the loan. As for whether the loan can be cancelled successfully, the reply of the lending institution shall prevail.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 38 The lender shall, in accordance with the provisions of laws and regulations and the provisions of the loan contract, investigate the liabilities for breach of contract for the borrower's failure to provide true and complete information or to use and pay the loan as agreed in the contract. The acquiring bank shall adopt strict technical means to monitor the use of the acquiring mobile terminal, and do not pay regular return visits to ensure that the acquiring mobile terminal does not exceed the contracted scope.

Article 39 The collection shall be made from the lender himself and his guarantor, and shall not be made from a third party unrelated to the debt, and shall not use violence, coercion, intimidation, abuse and other improper collection behaviors. Records should be kept for at least 2 years for future reference.