According to official website's inquiry about Yu 'ebao and Xiaoqian, Yu 'ebao and Xiaoqian Platform will lend money on the same day after pre-examination, depending on the time when the bank receives the account. Ying Xiaoqian's application materials include real-name identity authentication, bank card authentication, basic information authentication and Alipay authentication, and optional materials include social authentication, Taobao authentication, sesame credit authentication and Xuexin.com authentication.