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  1. Indeed, personal loan applications in typical financial institutions are processed manually. They may take up to 3 to 10 working days from the application to approval and are often not transferred in non-business hours.

  2. Mr. Lee said that he called in to apply for the mobile loan right after seeing the advertisement. He provided his personal information over the phone and got an instant approval without even showing up, which was indeed too casual from his perspective.

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