if the loan is approved, it means that the loan application is rejected. At this time, users can change banks and resubmit loan applications. However, if the loan application is passed but the loan is not granted, the user had better consult the reason why the bank does not grant the loan. If the loan is delayed because of the shortage of funds, then the user does not need to resubmit the loan application and wait patiently for the bank to lend.