The normal next payment will be known the next day, because the review time is 1-2 days, and the fastest one I met was borrowed by Sina, and the second one arrived. It's hard to say whether to have an examination or not. I suggest you choose some well-known online lending platforms to avoid being deceived. The formal online lending platform will not charge you any fees before lending. Generally speaking, online lending is fast and the amount is relatively high, but the interest rate will be higher than that of banks. I suggest you choose channels reasonably according to your own situation.

First of all, the borrower is a Chinese mainland resident and can provide personal identification (ID card, household registration book, marriage certificate, etc.). );

Secondly, it has a fixed address and place of work and business, and can provide proof of address (house lease contract, water and electricity bill, etc.). );

Thirdly, have a stable source of work or economic income, good credit standing, and can provide bank serial number, labor contract and other supporting materials;

Finally, the borrower has no bad credit record and the loan cannot be used for purposes prohibited by state orders.

Two, for personal microfinance materials need to be accurate:

1. First, you must have a valid personal identity document, provide a household registration book, and have full civil capacity;

2. Have a stable job and a good income. If you receive your salary through bank transfer, you need to submit the running proof of your recent salary card;

3. Unmarried persons submit unmarried certificates, and married persons submit relevant materials of spouses and family members;

4. Have a fixed account in the bank applying for the loan;

5. Other requirements of lending institutions.