After applying for a small loan, do I still need to verify it by phone?

After applying for a small loan, you need to verify it by phone. After submitting the loan application, the mobile phone page prompts to wait for phone confirmation (the calling number is 95384, please pay attention to verify the phone number), and a text message will remind you of the audit result after the audit. Generally, basic personal information is required to confirm that I applied for a loan. Some people will ask for verification, while others will not. This is not fixed. If you call the audit, it will take about a minute, mainly to find out whether there is a stable source of income and whether you have the ability to repay. This is a very important step, and many friends fail to review because of this step.

Moreover, in the phone call for loan review, you should explain your work well, including company size, enterprise nature, position, working years, stability, salary and so on. Let the auditor feel that you are a person with a stable source of income, and it is difficult to convince the auditor that you have no job and your family can help pay for it. After the micro-loan application is submitted successfully, some people will receive the loan funds within a few minutes, while others will be prompted to wait for telephone confirmation. So in some cases, micro-credit loans will call. If you miss the confirmation call, the staff will contact you at another time. If you miss it many times, your application may fail and you need to resubmit it.

: If the user applies for a loan for the first time in micro-loan, the user will be prompted whether to call approval on the application page. If there is no prompt call, there will be no audit call. After everyone applies for micro-loan, the trigger mechanism is different, some will need to call for review, and some will need face authentication. However, from the feedback of most netizens, the first application for microfinance is generally audited by telephone, and only a few users have not received the audit call. When micro-loans are opened, the credit report will show the loan records of micro-loans. It should be noted that many credit institutions only report the actual loan amount, while micro-loans directly report the total credit line, regardless of your actual loan amount. For example, a 50,000-line micro-loan only borrowed 3,000 yuan, and your credit report will show that you borrowed 50,000 yuan.