According to the inquiry of Xicai. com, the loan can be released after 12: p.m. The loan is a product that is audited by the system and released by the system. After passing the system audit, even after 12: p.m., the system will release the loan as soon as possible. The time of borrowing application will not affect the lending time. As long as you choose to lend money to Alipay balance, the lending funds will arrive in real time, that is, users can apply for borrowing at any time.