It means that the lending institution directly deposits the approved loan payment into the borrower's account. This usually occurs after the borrower completes the application process and is reviewed by the lender. During the review process, the lender will confirm the borrower's credit history, proof of income, and other relevant information. If everything is in compliance, the lender will send the loan proceeds directly to the borrower's bank account, a process that usually takes a few business days, depending on the lender's processing speed and bank transfer speed. Loan transfer is a very convenient way to get a loan because it avoids the borrower's trouble of going to the lending institution in person to receive the loan. At the same time, through Internet technology, many lending institutions have implemented online loan applications and automatic review. This allows borrowers to complete most of the application process and obtain loan funding in a short period of time. However, for some loans with higher risks, such as small personal loans or loan sharking, borrowers should pay attention to choosing formal lending institutions to avoid unnecessary losses.