One working day after submitting the loan application. The website of ICBC shows that the applicant can complete the review within one working day after submitting the loan application, and the loan can be completed within 48 hours after the approval. It should be noted that after the approval, ICBC will send a short message to inform the user to complete the identity verification within 48 hours, and if it fails, it will be regarded as giving up the application. After submitting the authentication, the bank will give the audit result within 1 hour.