How many days does it take for Lefanyi to approve the loan?

The review time of ABC Lefenyi is generally 1 working day, but some users review it for 3-5 days. This is because different borrowers have different credit qualifications, so everyone's review time is different. If there is no result after more than 5 days, please contact the customer service of Agricultural Bank of China for consultation.

As for the lending time, as long as the user has passed the approval of the Agricultural Bank of China, the bank will arrange the lending as soon as possible, and the user will wait patiently.

I. Product definition

The installment payment business of Le Fenyi refers to the installment payment business in which the bank collects internal and external data and grants the installment amount to customers who have daily large consumer credit demand. After successful handling, the customers can use the installment funds to spend in designated types of merchants.

Second, the product function

1. Easy to handle. Customers can apply with their ID cards, and there is no need to provide proof of income and assets. Customers without ABC credit cards can also apply, and the approval speed is the same as that of customers with existing cards.

2. Use of funds. After the installment is successful, the funds will be transferred to the special account of Lefenyi, which can be used by merchants in major consumption fields such as tourism, home improvement, education and department stores, and can be used by banks and other merchants (only controlled by the MCC type code of merchants).

3. Exclusive quota. Approve the installment quota for customers, with a maximum of 300,000 yuan. This line is for the exclusive use of Le Fenyi business, and does not affect customers' daily credit card spending with their own funds.

4. The number of cycles is flexible. The installment period is selected by the customer, which can be up to 5 years. Optional 6, 12, 24, 36, 48, 60. Online channels can only handle 36, 48 and 60 issues; Counter channels can handle products with full term.

Third, the applicable object

Customers should be in our target database, including high-quality credit card customers, high-net-worth customers and provident fund customers.

Fourth, the operation process

1. application

Customers apply for this business through outlets and online H5 channels, and fill in the application information.

2. Acceptance and investigation.

Accepting investigators to verify the identity of customers, check the customer's name, ID number and photo information.

3. System approval.

Perform real-time automated approval according to existing policies.

4. Quality inspection.

The head office conducts manual inspection on the quality inspection business application.

5. System account creation and quota loading.

After passing the quality inspection, the system creates an account and loads the quota in real time.

6. Activation and lending.

The customer himself activates through SMS, bank account, customer service manual and other channels.

When the physical card is not received, the dedicated physical card supports activating the virtual card mode through the bank and SMS channels, and lending in installments through the bank and outlet channels; Support online consumption.