Credit for three years at a time. According to the official website, anyone who inquires about the e-agricultural loan of the credit cooperative has a credit period of three years. Rural commercial bank credit e-loan is a new loan model introduced by rural commercial banks. As long as the borrower collects information from the rural commercial bank, it can automatically approve the credit e-loan of the rural commercial bank according to the borrower's personal credit, and the borrower can lend money on the mobile phone platform.