1. The borrower independently finds the online loan platform, registers the login account, fills in his basic information according to the relevant prompts, submits the loan application, and waits for the platform to review.

2. The online lending platform will analyze and evaluate the borrower's information with the help of big data, including the borrower's address book, e-commerce account, savings card flow, residence address and work information.

3. For users who have passed the preliminary examination, the online lending platform will call back for manual verification to see if the information filled in by the borrower is consistent with the information communicated by telephone.

4. After the review is correct, the online lending platform will determine the loan amount and notify the borrower to wait for payment, and the loan will be successful as soon as possible.