Is it too late for Xiaoyu Bank to review for 5 hours?

No, Xiaoyufuka has a bank for re-inspection. It takes 2 days from application to loan, which is relatively slow. If it is rejected, it will give a rejection message, so it doesn't mean that it has not been rejected for 5 hours and needs to wait. Xiaoyu Payment Card is a pure online personal credit loan product under Hubei Consumer Finance Co., Ltd., which is open to individual users. The better the borrower's qualification, the faster the loan review, otherwise it will be slower.