About 15 working days. To apply for a secured loan, the lending institution shall, after receiving the application materials, examine the relevant materials and the qualifications of the applicant, determine the loan amount, loan term and loan interest rate, then negotiate with the borrower, sign a loan contract after reaching an agreement, then review it, and then go through the guarantee procedures. After all formalities are completed, the lending institution will issue the loan in about 65,438+05 working days.