How soon will the gold bar loan arrive?

After the loan is submitted by JD.COM Gold Bar, it will generally arrive within 30 minutes as long as it is approved.

If there is an external audit, it will take 2-3 hours to get the account.

If the real name certificate needs to be reviewed, it may take 3 working days to arrive.

Specific instructions are as follows.

1, 30 minutes. Under normal circumstances, after JD.COM Gold Bar submits a loan application, the system will approve it in real time. If the basic information meets the requirements and the personal credit status is good, the loan funds will generally reach my bank card within 30 minutes after approval.

However, if the basic information is incomplete, the information is filled in incorrectly, and there is no real name to verify the identity, then the approval time will be extended, and the corresponding loan arrival time will also be extended.

2, 2-3 hours to the account, because JD.COM Gold Bar submitted a loan application, which needs to be audited by phone.

The conference call of Jingdong Financial staff will be completed within 2 hours after submitting the loan application, and the relevant loan information will be verified. After the approval, it will arrive within 1 hour, so it will take 2-3 hours from the submission of the loan application to the arrival of the loan of JD.COM Gold Bar.

If the borrower cannot be contacted during the outgoing call of JD Finance, the review time and lending time will be delayed accordingly. Therefore, after JD.COM Gold Bar submits the loan application, the borrower should try to keep the mobile phone unblocked.

3, 3 working days to account this situation, because JD.COM gold bar loans need real-name documents audit, which is the regulatory requirements of relevant departments.

The review of real-name certificates is generally completed within 3 working days after submitting the certificate information, and then the loan is approved. After approval, it will also arrive within 30 minutes.

It is rare for JD.COM gold bars to receive loans within three working days after submission, because the examination of real-name certificates generally takes less than three working days. The key is that the ID card is a second-generation ID card and it is within the validity period, so the review speed will be very fast.

Tips: The bank card bound by JD.COM Gold Bar Loan must be the borrower's own bank card, and the bank reservation information should be consistent with the binding information of JD.COM Gold Bar Account, and the bank card status should be normal, which is conducive to the smooth arrival of loan funds.

If you have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close. If there is any abnormality in your online hacker data, you can find that Xiaoqi Credit Information can get your own big data and credit status, various index data, and you can query your own personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information.

Extended data:

Does JD Finance need to open a member to borrow money?

Users can try to apply for a loan as long as they meet the loan conditions of the loan service in Jingdong Finance. Whether the user opens a member or not does not affect the loan application and loan review.

The common loan services of Jingdong Finance are gold bars and white bars, and the application conditions are different. Relatively speaking, the application threshold for white bars is lower.

After the user successfully opens the white bar, he can try to open the gold bar again, but whether it can be opened successfully depends on the review result of the page.

Of course, users of credit users can open white bars and gold bars at the same time.