The process of pledge loan is as follows: first, apply for personal loan, then submit the materials that prove that I meet the loan conditions, provide the certificate of deposit pledge, then the lender will review it, and finally conclude a loan contract and a pledge contract to issue loans to the applicant.

Legal objectivity:

Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. Interim Measures for the Administration of Personal Loans Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion. Interim Measures for the Administration of Personal Loans Article 23 A lender shall sign a written loan contract with the borrower, and if a guarantee is needed, a guarantee contract shall be signed at the same time. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels. "Interim Measures for the Administration of Personal Loans" Article 28 After the loan contract comes into effect, the lender shall issue the loan in time as agreed in the contract.