No need. According to Cai Xi's survey. The loan funds have not been frozen, and the user does not need to repay. If the loan funds are not received, the loan contract will not take effect. At this point, the user does not need to bear the repayment responsibility. If the lending institution repays the loan before the funds arrive, the user can refuse and complain or report to the relevant departments. Term loans will not begin to calculate interest until the loan funds arrive.