What processes are needed for online lending?

The process of online lending is mainly:

1. The borrower logs on to the online loan platform, enters the application page, fills in personal name, ID number, residential address, telephone number, loan amount, loan purpose and other information as prompted, reads and signs the loan agreement, and submits the loan application.

2. The platform reviews the information submitted by customers, and evaluates the credit status of customers through big data and platform control (some loan platforms are connected to the central bank's credit information system, and customers need to sign personal credit information business authorization when applying, and the platform will review the credit status of customers through credit information).

3. After the platform is audited, the audit results will be issued. If it passes, the platform will lend the money to the account designated by the borrower. When the loan arrives, the platform will send an information notice, and the customer can use it when the money arrives. Of course, if the audit fails, the system will also inform the customer.

Different online loan products may have certain differences in specific process steps. For example, some online loans will call the borrower for electronic review during the review process, and will ask the borrower some questions to see if the contents answered by the borrower are consistent with the information filled in by themselves, so as to confirm the authenticity of the information provided by the customer.