The premise of Changsha Bank's fast loan application is that as long as Hunan and Guangzhou are not chaotic, you can apply for a personal exclusive quota anytime and anywhere with your ID card, but whether you can win a loan depends mainly on whether the borrower has the repayment ability. After the application, the system will comprehensively evaluate the users. If the user is rejected, it is because the user does not meet the credit premise of Changsha Bank, which does not mean that the individual is talented or has a wrong commitment, so he can take the test again later. After applying for a loan, the system will take the initiative to approve it. Under normal circumstances, the approval results are timely, and the disposal time of different customer data is slightly different.