2. Loan qualification examination. After receiving the borrower's loan application, the online lending platform will investigate the borrower's qualifications and review whether the borrower meets the corresponding loan conditions. At present, most online lending platforms need to review the borrower's credit history, income level, economic ability and unit occupation.
3. Both borrowers and borrowers communicate. When the borrower passes the loan qualification examination, the loan company will have a special loan consultant to contact the borrower, and the two sides will understand and discuss the loan-related matters. The loan consultant will give a loan plan suitable for the borrower's situation, and the borrower can negotiate with the loan consultant about the loan and choose whether to lend in the end.
4. Submit relevant materials. After the borrower decides to lend, it needs to provide relevant loan information to the lending institution. Lending institutions will review the borrower's information after receiving it.
5. Sign a loan contract. After the lender examines the borrower's information, if it passes, the two parties sign a loan agreement. When signing a loan contract, the borrower must read the loan contract carefully and pay attention to the terms in the contract.
6. Issue loans. After completing the above steps, the borrower can wait for the loan from the lending institution with peace of mind, and the lending time generally depends on the regulations and lending efficiency of different lending institutions.