JD loan review takes 1-3 working days to complete. Generally, the review will be completed within one to three working days. To be specific, the review will take about 1 working day to open the JD.com gold bar qualification; for gold bar certificate review, you will need to wait about 3 working days; if you apply for a loan The application will be reviewed within thirty minutes at the earliest.

1. How long does it take to review a JD loan?

JD loan review takes 1-3 working days to complete.

Generally, the review will be completed within one to three working days. To be specific, the review will take about 1 working day to open the JD.com gold bar qualification; and it will take about 3 working days to review the gold bar certificate. day; if a loan application is submitted, the review will be completed within thirty minutes at the earliest.

2. How many installments can the JD loan be divided into?

JD.com’s IOU can be divided into up to 24 installments. Phase 1 is equal to one month and Phase 24 is equal to two years. However, during the installment period, users can choose to repay in advance or in advance at any time, so even if they choose to pay in installments, users are still free to repay.

Choosing early repayment can effectively save installment fees. After all, after choosing installment payment, the loan principal and installment fees need to be repaid at each stage.

If it is during the event, Jingdong Baitiao installment payment can enjoy interest-free discounts, so that during the repayment period, only the principal of the loan needs to be repaid in each installment.

Since only the loan principal is returned, users do not need to choose early repayment or early repayment, because early repayment will not have any effect on saving handling fees. After Jingdong Baitiao is installmentd, the repayment period will be delayed and the risk of overdue will increase accordingly.

After paying in installments on Jingdong Baitiao, users must pay attention to repaying on time. Once it is overdue, the overdue record will be uploaded to the credit investigation system of the People's Bank of China, resulting in a poor personal credit investigation.