Under normal circumstances, as long as the loan is issued successfully, the funds will not be frozen. Lending institutions will directly transfer the money to the borrower's bank card, and no third party will intervene except the settlement bank. If the money is not received, the main reason is that the receiving bank card is in an abnormal state, such as card loss reporting, freezing, etc.
However, if the loan is frozen, such as the so-called CBRC suspension, it is likely to be a routine, and the platform for borrowers to borrow money is not a formal platform in all likelihood.
The loan may be defrosted by the customer service, but it is actually a fraud. Paying the defrosted fee will not really give the money to the borrower.