Applicants need to bring their ID cards to the small loan company to apply. After the preliminary examination of the application is passed, the loan officer will contact the applicant and conduct on-the-spot investigation at the business premises.
The applicant needs to find a guarantor, and the loan officer will visit him on the spot. The applicant also needs to provide some information. After the investigation, the loan officer will make a report and submit it to the company's loan review meeting. After the approval, the loan officer can sign a contract to lend money. Whether the loan application can pass depends on the company's audit results.